vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: PA

Complaint narrative:
I am disputing inaccurate and fraudulent accounts on my report under the rights granted by the FCRA and CFPB regulations. Under 15 USC subsection 1681e ( b ), credit bureaus must ensure maximum possible accuracy, yet errors remain on my report. Per 15 USC subsection 1681g, I request full disclosure of all data sources and verification methods. Additionally, under 15 USC subsections 1692e & 1692g, furnishers or debt collectors reporting unverifiable information violate the Fair Debt Collection Practices Act. 15 USC subsection 1666b requires creditors to follow proper procedures in reporting and correcting disputes. I also challenge the Complete and Accurate Method of Investigation used to verify these accounts. If they can not be fully verified and proven, I demand that they be removed. Please investigate these accounts and supply me with a written response with the final determination and all updates made to my reports.

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 2025-02-06 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: PA

Complaint narrative:
I am disputing inaccurate and fraudulent accounts on my report under the rights granted by the FCRA and CFPB regulations. Under 15 USC subsection 1681e ( b ), credit bureaus must ensure maximum possible accuracy, yet errors remain on my report. Per 15 USC subsection 1681g, I request full disclosure of all data sources and verification methods. Additionally, under 15 USC subsections 1692e & 1692g, furnishers or debt collectors reporting unverifiable information violate the Fair Debt Collection Practices Act. 15 USC subsection 1666b requires creditors to follow proper procedures in reporting and correcting disputes. I also challenge the Complete and Accurate Method of Investigation used to verify these accounts. If they can not be fully verified and proven, I demand that they be removed. Please investigate these accounts and supply me with a written response with the final determination and all updates made to my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Request for Immediate Removal of Personal Identifiable Information and Investigation into Credit Report Discrepancies Dear Sir/Madam, I am writing to formally request the immediate removal of certain personal identifiable information from my credit report. Despite previously submitting five written requests, making three phone calls, and attempting several online submissions, my requests remain unresolved. I have also noted significant discrepancies across my credit reports from TransUnion, Experian, and Equifax, which raise serious concerns about potential identity theft. 

As a consumer protected by federal law, I demand the following deletions to ensure the accuracy and privacy of my personal information : Request for Information Removal : Full Legal Name : Please ensure my full legal name is displayed as XXXX XXXX XXXX only. 
Address Update : Please remove all outdated and irrelevant addresses from my credit report. The only address I request to be included is : XXXX XXXX XXXX XXXX, XXXX, GA XXXX I can not receive mail at the outdated addresses, and I have no access to them. Therefore, I demand the removal of all other addresses listed. 
Phone Numbers : Please delete all phone numbers currently listed in my credit report. 
Social Security Number & Date of Birth : For privacy reasons, please remove my Social Security number and date of birth from being displayed on the credit report. 
Employer Information : Please delete all employer information currently listed in my report. 
Inconsistencies Across Credit Reports : Upon reviewing my credit reports from TransUnion, Experian, and Equifax, I have observed the following discrepancies : Account Number Discrepancies : The same account number appears differently across the three bureaus. This raises concerns of potential identity theft, as unauthorized individuals may be altering or misusing my information.

Payment Status Inconsistencies : There are inconsistencies in the payment statuses across the reports, which could indicate fraudulent activity or errors reflecting transactions I did not authorize. Address Variations : The listed addresses across the bureaus do not match, suggesting unauthorized individuals may be using my personal information at different addresses.

Employer Information : There are discrepancies in the employer information, which may indicate fraudulent attempts to link my identity to accounts I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Durrett Motor Company, Inc.
State: TX

Complaint narrative:
I went in to trade in my vehicle. They tricked me as if I was trading it, until it was time for me to leave and then said they couldnt trade it. Thats after they ran my credit report and took my down payment. When I told them off their wing doing the lady told me to let my other car get repossessed, she guess. I started a new XXXX XXXX XXXX XXXX  and made them aware of it. Ive been paying the last 3 maybe 4 payments the week after they was due. Every other payment since I had the car that they completely violated my consumer rights to get me in, had been on time. My payment was due this past Friday and they just cut the car off when I stopped to pick up some signs for work. I called to make sure they was the reason for the humiliation and they said yes and I told them they can come get it due to the fact I recently got out the hospital in XXXX and Im not able to take the stress. Since they put me in this financial bind by violating my consumer rights, Im requesting that all of my payments, including the down payment be returned to me and any damage that has been or will be done they take full responsibility. I spoke with XXXX after speaking with 2 others and she said Id have to send an request via email to the payment center to get the account number and the payment history. Then sent an email to get an extension.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a call from Chase Bank. It came from a Chase phone number. The person said an account was opened in my name and two XXXX payments were made. I was told to go online to my account and start two XXXX transfers one for {$1000.00} and another for {$990.00}. I was given a code that was going to correct the problem. When I did it the money was charged to my Chase checking account. At that point I knew it was a scam. I called Chase immediately. The person said they couldn't help and to call XXXX. I called the number I was given for XXXX and it was an endless loop of recordings with no way of speaking to someone. I called Chase again and spoke to the fraud department. They said that they don't own XXXX ( I found out later that they are one of the partners in XXXX ). The person said she couldn't help and hung up on me. I called again and the person filed a " courtesy complaint '' and said that I should not expect any rsolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX ) XXXX : XX/XX/2025 To : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: OH

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 2025-02-06 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: CBC Companies, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against XXXX, XXXX, and Innovis for Violations of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally lodge a complaint against the credit reporting agencies XXXX, XXXX, and Innovis regarding their failure to report accurate information on my credit report, as outlined in the attached correspondence from First Progress Card. 

On several occasions, I have disputed inaccuracies related to my XXXX XXXX account. Despite my efforts, XXXX, XXXX, and Innovis have refused to report this information accurately, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I refer to Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

The attached letters from XXXX XXXX clearly indicate that the account in question was properly verified and should be reported accurately. However, the refusal of these agencies to report the information is not only unjust but also detrimental to my credit score and overall financial reputation.

Furthermore, under 15 U.S.C. 1681n, consumers have the right to seek damages for willful noncompliance by reporting agencies. I believe that the actions of XXXX, XXXX, and Innovis fall under this category, as they have neglected to fulfill their legal obligations to report accurate information.

I request that both the Consumer Financial Protection Bureau and the Federal Trade Commission investigate this matter and take appropriate action to ensure that my rights, as well as the rights of other consumers, are upheld. I expect a prompt response to this complaint, along with any necessary steps to rectify the inaccuracies on my credit report.

Thank you for your attention to this serious matter.

Attachments : 1. Letter from XXXX XXXX XXXX dated XX/XX/year> 2. Letter from XXXX XXXX XXXX dated XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Equifax, TransUnion, and XXXX for Violations of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally lodge a complaint against the credit reporting agencies Equifax, TransUnion, and XXXX regarding their failure to report accurate information on my credit report, as outlined in the attached correspondence from First Progress Card. 

On several occasions, I have disputed inaccuracies related to my XXXX XXXX account. Despite my efforts, Equifax, TransUnion, and XXXX have refused to report this information accurately, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I refer to Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

The attached letters from XXXX XXXX clearly indicate that the account in question was properly verified and should be reported accurately. However, the refusal of these agencies to report the information is not only unjust but also detrimental to my credit score and overall financial reputation.

Furthermore, under 15 U.S.C. 1681n, consumers have the right to seek damages for willful noncompliance by reporting agencies. I believe that the actions of Equifax, TransUnion, and XXXX fall under this category, as they have neglected to fulfill their legal obligations to report accurate information. 

I request that both the Consumer Financial Protection Bureau and the Federal Trade Commission investigate this matter and take appropriate action to ensure that my rights, as well as the rights of other consumers, are upheld. I expect a prompt response to this complaint, along with any necessary steps to rectify the inaccuracies on my credit report. 

Thank you for your attention to this serious matter. 

Attachments : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: PA

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 2025-02-06 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: PA

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 2025-02-07 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: NY

Complaint narrative:
I am writing to formally dispute incorrect information on my credit report. Upon reviewing my report, I noticed several discrepancies that do not accurately reflect my financial history. These errors are negatively impacting my credit standing, and I need them corrected immediately.

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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Experian, equifax, and transunion has failed to fulfill its legal obligation under the Fair Credit

Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against
Experian, equifax, and transunion alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, equifax, and transunion has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against these 3 credit bureaus, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, equifax, and transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's, Equifax, and transunion inaction violates federal law and my rights as a consumer.

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