vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: AL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: MO

Complaint narrative:
Just a few days prior to XXXX XXXX of XXXXXXXX XXXX XXXX XXXX  a third party debt consolidator my husband and I are using ) let me know that a company named Credit Control, L.L.C. was suing me for an outstanding credit card debt that was purchased from XXXX XXXX XXXXXXXX. I sent a Letter of Debt Validation on the XXXX of XXXXXXXX XXXX  to their offices that I was able to find an address for via a XXXXXXXX XXXX This piece got lost in the mail ( as I sent if Certified Mail so it could be tracked and taken if only signed for ) and I had the Postmaster look into the missing mail. They determined the address was empty and no business was there and had not been in a while. So I sent out another letter on XXXX, XXXX XXXX  to a now different address that showed up on XXXX XXXX and this one was marked as delivered on XX/XX/XXXX, XXXX. 

Today ( XX/XX/year> ), I received multiple letters in the mail for advertisements from Law Firms saying I was being sued by a company for credit card debt, and I can only assume it is Credit Control , L.L.C., but I have yet to hear any word from them via email, phone, or, more importantly, the mail with a letter of Debt Validation. As XXXX XXXX XXXXXXXX had told me the debt and card was Charged Off, I will not be paying a collector without Debt Validation.

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 2025-03-19 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.
State: NJ

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: MD

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-03-19 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-19 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Subject : Inaccurate Collection Account on My Credit Report - Investigation Request I am filing a dispute regarding an inaccurate collection account appearing on my credit report. This account is being reported to : COLUMBIA DEBT RECOVERY with account number : XXXX, and is considered incorrect for the following reasons : The account has not been properly verified as required by the Fair Credit Reporting Act ( FCRA ). I have requested validation of this account from the credit bureau, but they have not provided sufficient evidence that this debt is valid and belongs to me. The presence of this account on my credit report is negatively impacting me, so I request its immediate removal if it can not be verified with legal documentation. I have attached a formal dispute letter along with supporting documents. I request that the CFPB investigate this matter and ensure that the credit bureaus and the collection agency are in compliance with the FCRA. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 explanation
Consumer complaint received 2025-03-19 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: PA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After the XXXX XXXX  on XX/XX/year>, my insurance company issued a joint check to me and Wells Fargo. Wells has released 33 % of the funds, but refuses to release more that I need to achieve the 25 % benchmark for the next payment AND refuses to pay fair market interest on the escrowed funds. See full details on attached letter, my architect 's proposal/ cost, an estimate from my contractor for the rebuild and Wells Fargo 's reply to my request for additional funds.

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 2025-03-19 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: CA

Complaint narrative:
I am formally disputing the reporting of child support under account XXXX XXXX my credit report. Federal court rulings have confirmed that delinquent child support payments, judgments, liens, and fines do not originate from a credit transaction and therefore should not be included in consumer credit reports. Furthermore, your agency no longer reports child support obligations, making this entry both improper and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: OH

Complaint narrative:
I have been a victim of identity theft. I have noticed some unauthorized inquiries on my credit reports that I did not benefit from. I need these fraudulent inquiries removed from my credit reports immediately. I also have noticed some incorrect balances on my accounts, especially for my XXXX XXXX XXXX which I would also like to have corrected.

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 2025-03-19 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: IN

Complaint narrative:
I am writing to address a serious issue regarding identity theft and the inaccurate reporting of information on my credit reports. I have previously requested that all debt collectors and reporting agencies involved in this matter properly validate and verify the debts associated with the accounts listed below. Despite these requests, the reporting agenciesspecifically TransUnion, Equifax, and Experianhave failed to conduct proper investigations as required by the Fair Credit Reporting Act ( FCRA ) and continue to report inaccurate and incomplete information. 

The following accounts and inquiries require immediate removal from my credit reports due to identity theft : XXXX XXXX  Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXX Inquiries : XXXX, XXXXXXXX XXXX XXXX  XXXX As per the FCRA, Section 605B, I am entitled to have any fraudulent or identity theft-related accounts removed from my credit report once I have provided sufficient evidence and made a request for such removal. Under Section 1681i of the FCRA, I also have the right to dispute any inaccurate or incomplete information, and you are required to investigate the matter thoroughly. 

It has been brought to my attention that TransUnion, Equifax, and Experian are actively assisting debt collectors who have been served with a cease and desist letter and have failed to provide the requested validation of debt. These agencies are violating the FCRA by continuing to report accounts without proper verification and by not conducting a full investigation into the fraudulent activity associated with these accounts. 

This is a final warning. If these matters are not immediately addressed and the fraudulent accounts and inquiries removed from my credit reports, I will have no choice but to pursue legal action under the FCRA. I will seek damages and any necessary relief through litigation, including filing a lawsuit against TransUnion, Equifax, and Experian for failure to comply with federal law regarding identity theft and inaccurate reporting.

Please take this letter as my formal notice that any further attempts to report incorrect information related to the fraudulent accounts mentioned will not be tolerated. I expect all erroneous accounts and inquiries to be removed from my credit report within 30 days, as required by law.

Failure to comply with this request will result in legal action and may include reporting violations to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation and enforcement.

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 2025-03-19 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: FL

Complaint narrative:
I am filing this complaint against TransUnion for failing to remove multiple unauthorized hard inquiries from my credit report, despite my formal disputes and supporting documentation. On XX/XX/year>, I visited a car dealership to apply for auto financing. My credit was subsequently pulled multiple times by different financial institutions without my explicit authorization. 

Legal Violations and Basis for Immediate Removal Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b ), a hard inquiry is only permissible when the consumer has provided explicit authorization to the entity conducting the inquiry and the inquiry is conducted for a legitimate credit transaction in which the consumer is involved. In my case, I never provided individual authorization for these inquiries, nor did I establish any credit relationship with most of these lenders.

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), any inaccurate, unverified, or unauthorized information must be removed immediately from a consumers credit report. Additionally, under FCRA 1681c-2, when a credit inquiry is related to fraud or was conducted without the consumers authorization, the credit bureau must remove it within 4 business days of receiving the request and the necessary documentation.

Despite submitting a formal dispute to TransUnion, requesting the removal of these inquiries, they have failed to take appropriate action within the legally required timeframe.

Supporting Documentation Provided to TransUnion I submitted a copy of my FTC Identity Theft Report ( # XXXX ), confirming that these inquiries were made without my consent, a copy of my credit report with the disputed inquiries highlighted, and a copy of my government-issued ID verifying my identity. 

Unauthorized Hard Inquiries to Be Removed Immediately The following unauthorized inquiries must be removed from my report within 4 business days, as required by 15 U.S.C. 1681c-2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The only legitimate inquiry that should remain on my report is XXXX XXXX  - XX/XX/year>.

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 2025-03-19 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: FL

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 2025-03-19 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: FL

Complaint narrative:
My identity has been stolen, and I am seeking your help AGAIN to swiftly remove these fraudulent items. I kindly request that you delete this specific item as soon as possible and ensure that all other incorrect details are promptly 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 explanation
Consumer complaint received 2025-03-19 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief