vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Camino Financial Inc.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, the undersigned consumer, am writing to formally address the recent denial of credit in connection with my business loan application submitted to Fundation LLC. Upon reviewing the situation, I believe that this denial constitutes an adverse action and appears to be in violation of several provisions of the Equal Credit Opportunity Act ( ECOA ), codified in 15 U.S.C. 1691 et seq., and related regulations and statutory provisions.

Specifically, I believe that Fundation LLC has violated the following legal provisions : 15 U.S.C. 1691c ( Equal Credit Opportunity Act Notification of Adverse Action ) 15 U.S.C. 1691 ( Discrimination Prohibited ) 15 U.S.C. 1681m ( Duties of Creditors Regarding Adverse Action ) 12 CFR 1002.9 ( Regulation B Adverse Action Notifications ) Reasons : *Applicants business industry is ineligible for a lender credit product * Lack of establishment earnings record or earnings insufficient for the amount of credit requested '' I assert that these reasons are insufficient, and based on the information provided, I believe this is discriminatory or fails to meet the legal standards for clarity and non-discrimination under the Equal Credit Opportunity Act.

Moreover, Fundation LLC use of my personal financial information, such as my Social Security number/credit card, without granting credit or providing any benefit, raises concerns of unauthorized use and fraudulent activity. This is a violation of 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ) of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
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. Account name : XXXX after reviewing EQUIFAX credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, 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 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 nor furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: TX

Complaint narrative:
I purchased a car from this company the car kept breaking down this last time it broke down the motor went out they came and picked it up from my house. 
I explained that I didnt want to do business with them anymore a day later my credit was ran without my permission and Ive had to file a police report in retaliation theyve sent a letter saying they are going to sell the vehicle and I will be responsible for the balance!

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 2025-02-09 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: MA

Complaint narrative:
The Payment Status is inaccurately reporting as 60 days late with Experian and 90 days late with Equifax, while XXXX correctly reflects it as current. Please update the Payment Status to " Current '' or " Paid on Time '' to ensure accurate reporting. The two-year payment history also reflects " Current '' or " N/A, '' indicating a positive payment history. Kindly update the account information to reflect the Payment Status as " Current '' or " Paid on Time. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: NE

Complaint narrative:
These inquiries are fraudulent they were done with our my knowledge or approval I called XXXX XXXX  and stopped the IRA or Checking account and I told them to stop the cred card they said they could not stop it but will remove the inquiry afterwards, I had no idea of XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX card are all fraudulent applications that ran my credit without my knowledge or consent, I am requesting an hard copy of my credit report from all credit bureaus Experian, Transunion, Equifax as I am requesting and Equifax has refused to send an hard copy of report or dispute my inquiries. and dispute XXXXXXXX XXXX XXXX on XX/XX/2024 from Transunion.

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 2025-02-09 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to dispute the accounts listed on my credit report under my social security number as fraudulent. I am a victim of identity theft due to multiple data breaches that have occurred since XXXX. Furthermore, I did *not* authorize these accounts, and I believe it was opened using my personal information compromised in these breaches. 

Negative Accounts XXXX XXXXXXXX XXXX Account Number XXXX Closed Date XX/XX/XXXX Open Date XX/XX/XXXX Account closed at consumer 's request XXXX XXXX Last Updated XX/XX/XXXX Worst Delinquency 90 days past due Closed Date XX/XX/XXXX Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Account closed by credit grantor XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Account Number XXXX Account closed at consumer 's request XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Closed Date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
The original contract was signed with XXXX XXXX XXXX XXXX, and I was not informed that it would be sold to Firstmark Services. The interest rate charged by Firstmark Services is 10.74 %, which does not match the original agreement with XXXX XXXX, which was set at 8.49 %. Additionally, the 0.5 % interest rate discount offered to XXXX XXXX customers in the original contract is not being applied. Furthermore, I was not notified about the increase in the interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IN

Complaint narrative:
I have a fraudulent collection on my credit report from a company called " Spring Oak Capital LLC trying to collect a debt on a credit card that was fraudulently opened in my name. The original credit card was with a company named XXXX XXXX XXXX XXXX XXXX in which a payment was NEVER made on the credit card at all. This debt was sold to Spring Oaks Capital LLC and I disputed this debt with both XXXX XXXX XXXX XXXX XXXX and also Spring Oak Capital LLC numerous times along with providing them police reports and other proof this is not my debt. They refuse to delete this debt off my credit report. Once again a payment has never even been made to this card and I provided a police report and they are still reporting on my credit report. I lost my wallet with my Driver License and Social Security card in which I filed a police report with in Illinois and after that Ive been battling with being a victim of ID Theft. I attached a copy of the police report I originally lost my Wallet which contained my Drivers License and Social Security card and also the police report disputing this Spring Oaks Capital LLC collection as fraud due to ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
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. 


Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name :XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XXXXXX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XXXXXX/XX/XXXXXXXX # XXXX Account Name : XXXXXX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX# XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XXXX XX/XX/XXXX # XXXX Account Name :XX/XX/XXXX # XXXX Account Name : XXXX XXXX XX/XX/XXXX# XXXX Account Name : XXXX XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 explanation
Consumer complaint received 2025-02-09 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:
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. 


Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name :XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XXXXXX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XXXXXX/XX/XXXXXXXX # XXXX Account Name : XXXXXX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX# XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XXXX XX/XX/XXXX # XXXX Account Name :XX/XX/XXXX # XXXX Account Name : XXXX XXXX XX/XX/XXXX# XXXX Account Name : XXXX XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 2025-02-09 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX BALANCE {$2000.00} Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  - BALANCE {$27000.00} Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: CT

Complaint narrative:
I received the copy for my required report notice in my account reporting accurate. I had One late payment XX/XX/XXXX Plus a payment schedule late on XXXX of 120 days and 180days I attached a screenshot of the days that they said that was late and accurate on. I would like to submit. Investigate this and please check it out. Remove this off my credit report. Can you please report this as a accurate account on my credit report I would like it pleased to be moved off I would like for you to and show proof that this payment can be verified on my account

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 2025-02-09 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: CT

Complaint narrative:
I received the copy for my required report notice in my account reporting accurate. I had One late payment XX/XX/XXXX Plus a payment schedule late on XXXX of 120 days and 180days I attached a screenshot of the days that they said that was late and accurate on. I would like to submit. Investigate this and please check it out. Remove this off my credit report. Can you please report this as a accurate account on my credit report I would like it pleased to be moved off I would like for you to and show proof that this payment can be verified on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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 submitting this formal complaint regarding Transunion '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 proper notification and submission of required documentation. On XX/XX/XXXX ( CFPB Complaint XXXX XXXXXXXX ) and XX/XX/XXXX ( CFPB Complaint XXXX XXXXXXXX ), I disputed several fraudulent accounts and provided Transunion with all necessary documents, including a valid identity theft affidavit ( FTC Report Numbers : XXXX, XXXX, XXXX, and XXXX ), proof of address, social, and a government-issued ID. However, Transunion failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedents, such as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPB 's XXXX bulletin underscores Transunion 's failure to uphold consumer protections under the FCRA.

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 2025-02-09 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: MA

Complaint narrative:
I am submitting this formal complaint regarding Equifaxs 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 proper notification and submission of required documentation. On [ Insert Date of Initial Complaint ], I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Equifax failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611s mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Equifaxs failure to uphold consumer protections under the FCRA. I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer FICO credit report, including a fraudulent credit card account at XXXXXXXX XXXX opened on XX/XX/XXXX under account number XXXX, an account at XXXX XXXXXXXX XXXX opened on XX/XX/XXXX under account number XXXX, and a fraudulent inquiry from XXXXXXXX XXXX These fraudulent accounts and inquiries have resulted in several hard inquiries and collections appearing on my credit report. I demand that the aforementioned fraudulent items be removed from my consumer credit report within four days of receipt and that all collection activity related to said items cease pursuant to my rights under the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX already deleted this account due to consumer right discrimination ; proof will be attached, please follow the XXXX and delete asap. Credit Inquiries XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute outdated addresses that appear on my credit report. Upon reviewing my report, I noticed that there are addresses listed that are no longer current and are affecting the accuracy of my information.

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