vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/XXXX 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 information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, 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 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 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 2025-02-07 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: LA

Complaint narrative:
I am seeking help to investigate accounts from companies that are inaccurately reporting late payments. Upon reviewing my credit report, I noticed incorrect late payment marks on certain accounts. These accounts should not have any late payment remarks.

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 2025-02-07 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: LA

Complaint narrative:
I am seeking help to investigate accounts from companies that are inaccurately reporting late payments. Upon reviewing my credit report, I noticed incorrect late payment marks on certain accounts. These accounts should not have any late payment remarks.

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: 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 formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/year> XX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My personal information was used while XXXX XXXX XXXX  from XXXX XXXXXXXX XXXX. I was released to southaven police department XXXXXXXX Upon my release I noticed a low credit score I obtained a credit report and found the fraudulent activity. My information has been found on the XXXX web all the way back XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$990.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: MA

Complaint narrative:
I have exausted every avenue possible in obtaining my report and data that Lexis Nexis is providing and selling. Online, mail and phone requests were all denied telling me that they can not verify my info ( even when i provided documention via mail ) Im done with this company and there tactics. they will sell it to anyone in the world but deny me saying i cant be verified. Thats fine! I am sending the a good faith demand letter then filing suite when thats ignored. I will not waste another minute other than obtaing the free council and representation provided to me through the VA for being a 100 % XXXX vet. I am on a mission now. Send it or dont send it. Doesnt matter anymore because we will let the judge decide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: MO

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Affidavit of Facts - Dispute of Inaccurate Information on My Credit Report To whom it may concern, I am writing to formally dispute inaccuracies on my Experian credit report, pursuant to the Fair Credit Reporting Act ( FCRA ) and the ongoing lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. The lawsuit addresses serious allegations that Experian has failed to conduct proper reinvestigations of disputed information, failed to delete inaccurate or unverified information, and failed to provide accurate, timely notices of such actions, among other violations. 

The specific accounts in question are : XXXX. XXXX XXXX XXXX XXXX ( Account XXXX : XXXX ) XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) I assert that these accounts contain inaccurate, incomplete, or unverified information, and I am disputing them based on the following : Failure to properly conduct reinvestigations of disputed information. 
* Failure to delete inaccurate or unverified information in my credit file. 
* Failure to provide adequate written notice of the results of reinvestigations, as required by the FCRA. 
* Improper reinsertion of previously deleted information. 
* Failure to follow reasonable procedures to assure maximum possible accuracy of the credit information reported. 

Despite my previous disputes with Experian regarding these accounts, I have not received a satisfactory resolution or proper notification as required by law. As a result, I am requesting that you immediately : XXXX. Reinvestigate these accounts in accordance with the FCRA. 
XXXX. Remove any inaccurate, incomplete, or unverifiable information related to the above accounts from my credit report. 
XXXX. Provide me with written notice of the results of your reinvestigations. 
XXXX. Ensure that any previously deleted information that has been improperly reinserted is permanently removed. 

If Experian fails to take corrective action, l will be forced to pursue all available legal remedies, including filing complaints with the CFPB, and exploring additional legal action for violations of the FCRA. This may include seeking damages for the harm caused by the continued reporting of inaccurate information. 
Please respond to this dispute in a timely manner, in accordance with the FCRA. I expect written confirmation of the outcome of your reinvestigation within 30 days from the receipt of this letter. 

Thank you for your immediate attention to this matter. 

Kind regards, 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 2025-02-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against Equifax for failing to remove a legally discharged debt from my credit report, which continues to negatively impact my creditworthiness. My lender, XXXX XXXX XXXX XXXX, issued a 1099-C Cancellation of Debt for this account, which means the debt was legally canceled, and I no longer owe it. Despite my formal dispute and supporting documentation, Equifax has refused to remove the negative reporting. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681s-2 ), credit reporting agencies must ensure that information on consumer reports is accurate and up to date. 

Once a 1099-C is issued, it legally cancels the debt, meaning no further collection or negative reporting should be permitted. 

Equifaxs failure to remove this account constitutes inaccurate credit reporting, which violates my consumer rights.

Company response to consumer: Closed with explanation
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: Experian Information Solutions Inc.
State: NY

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 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 explanation
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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Control, LLC
State: CA

Complaint narrative:
I recently learned that XXXX XXXX XXXX, a debt buyer who is not an attorney or bank, accessed my XXXX credit report on XX/XX/XXXX without my permission or consent. I have no previous or existing contract with them and there is no legal reason for this company to access my personal information. I have had ongoing issues with identity theft for almost a decade and do not appreciate this company 's continued attempts to extort money out of me for debts that are not mine. I previously filed a complaint on them for accessing my credit report without my consent on XX/XX/XXXX and told them they are not to contact me or misuse my information for any reason. I am documenting all violations of my FDCPA rights and have a retained attorney for my identity theft issues.

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 2025-02-07 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: IL

Complaint narrative:
In XX/XX/XXXX, I experienced a financial crisis in which I had a payment due with XXXX XXXX. I called and spoke to a representative and explained my situation to them. She stated on the phone that she was so sorry what happened and asked me when can I make a payment and how much will I be able to pay? I told her that I can make a payment on XX/XX/XXXX in the amount of {$100.00}. She said no problem. Indeed I did make the payment of {$100.00} on that date. When I checked my credit report it stated that XXXX XXXX gave me a bad credit rating and also placed a wrong amount due to them on my credit report. My credit report states that I owe them {$210.00} and this amount is incorrect. This lowered my credit score for all three credit bureaus and I was not in no delinquent status with them.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX, I experienced a financial crisis in which I had a payment due with XXXX XXXX. I called and spoke to a representative and explained my situation to them. She stated on the phone that she was so sorry what happened and asked me when can I make a payment and how much will I be able to pay? I told her that I can make a payment on XX/XX/XXXX in the amount of {$100.00}. She said no problem. Indeed I did make the payment of {$100.00} on that date. When I checked my credit report it stated that XXXX XXXX gave me a bad credit rating and also placed a wrong amount due to them on my credit report. My credit report states that I owe them {$210.00} and this amount is incorrect. This lowered my credit score for all three credit bureaus and I was not in no delinquent status with them.

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 2025-02-07 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: IL

Complaint narrative:
In XX/XX/XXXX, I experienced a financial crisis in which I had a payment due with XXXX XXXX. I called and spoke to a representative and explained my situation to them. She stated on the phone that she was so sorry what happened and asked me when can I make a payment and how much will I be able to pay? I told her that I can make a payment on XX/XX/XXXX in the amount of {$100.00}. She said no problem. Indeed I did make the payment of {$100.00} on that date. When I checked my credit report it stated that XXXX XXXX gave me a bad credit rating and also placed a wrong amount due to them on my credit report. My credit report states that I owe them {$210.00} and this amount is incorrect. This lowered my credit score for all three credit bureaus and I was not in no delinquent status with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
On XX/XX/XXXX, I purchased a auto warranty for {$3600.00}. I was told by XXXX XXXX at XXXX XXXX Protect that I could get a full refund within 30 days of my purchase. I then decided I did not want the policy and I told him to cancel my policy. I then disputed the charge with my Citibank Credit Card. Unfortunately, I then settled the dispute thinking that XXXX XXXX XXXX would keep their word and refund me the money. It has been over three weeks, and I have not received the refund. Citibank told me that I lost all my rights to reopen the dispute when I settled the dispute. I had no idea that I was forfeiting my rights to dispute the charge. Is there anything I can do?

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 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 explanation
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-02-07 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: NY

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