vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: LA

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. 

List of Unauthorized Inquiries : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX 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 2025-01-11 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: NC

Complaint narrative:
I requested to update the limit being reported by Transunion because it is incorrect when it was showing XXXX to the correct number XXXX. They updated it on my credit report and now a couple months later Transunion has changed it back to XXXX on my credit report. I checked with XXXX XXXX XXXX XXXX and they said it is still a limit of XXXX. Disputing it with Transunion did not work, they said {$1000.00} was right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: LA

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 XXXX XXXX XXXX. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-10 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
Im writing because this has gone on far too long. There are accounts in pending litigation on my credit report that simply shouldnt be there. Ive contacted you multiple times about the error, yet nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Dear Sir/Madam, I am writing to dispute the reporting of student loan by XXXX  ( Account Number : [ XXXX ... ] ). According to the Fair Credit Reporting Act ( FCRA ) Section XXXX, I believe that the loan is inaccurately reported on my credit file. 

Specifically, I dispute the following After reviewing my credit reports I have noticed an account that is inaccurately listed on my credit report. This account has been removed from all of my other credit report files and it is not a valid account.Navient student loans has been charged with committing this crime against millions of customers This company has been notorious for reporting inaccurate information which is why they current have a huge lawsuit against XXXX XXXX loans. XXXX already removed off my credit just not TransUnion and XXXX. I can also send you pictures of me sending letters and showing proof on top being part of lawsuit that CFPB file FCRA SECTION 605B FCRA SECTION 615 ( f ) FCRA SECTION 623 ( a ) ( 6 ) 15USC1681c-2 ( 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 2025-01-10 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Dear Sir/Madam, I am writing to dispute the reporting of student loan by XXXX ( Account Number : [ XXXX ... ] ). According to the Fair Credit Reporting Act ( FCRA ) Section 605B, I believe that the loan is inaccurately reported on my credit file.

Specifically, I dispute the following After reviewing my credit reports I have noticed an account that is inaccurately listed on my credit report. This account has been removed from all of my other credit report files and it is not a valid account.Navient student loans has been charged with committing this crime against millions of customers This company has been notorious for reporting inaccurate information which is why they current have a huge lawsuit against XXXX XXXX loans. XXXX already removed off my credit just not XXXX and Experian. I can also send you pictures of me sending letters and showing proof on top being part of lawsuit that CFPB file FCRA SECTION 605B FCRA SECTION 615 ( f ) FCRA SECTION 623 ( a ) ( 6 ) 15USC1681c-2 ( 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 explanation
Consumer complaint received 2025-01-11 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: PA

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Report Number XXXX XXXX XXXX XXXX XX/XX/XXXX Serial No. XXXX Post Office XXXX Amount {$490.00} Date XX/XX/XXXX First Class Letter {$0.00} Certified Mail {$4.00} Tracking Number XXXX XXXX XXXX XXXX XXXX Return Receipt Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX The Mail Arrived XX/XX/XXXX at XXXX XXXX This instrument continues to be the possession with NO Action or update as of XX/XX/XXXX. 

The Return Receipt was Delivered to XXXX NJ XX/XX/XXXX confirming that this instrument is in the possession of XXXX. 

XXXX a phone call was placed to XXXX about negatively reporting a 30 day late payment when in fact they were and still are in possession of this instrument. The Representative said they would investigate and get back to me they have not as of this date. 

I was again caused harm by another report of a 30 day late payment in XXXX with an error on XXXX processing and retracting payment and given a negative mark of credit reporting... 

I have since paid this Loan off no withstanding of not trusting XXXX to do the right thing by correcting this malicious fraudulent transactions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: NJ

Complaint narrative:
Report Number XXXX XXXX XXXX XXXX XX/XX/XXXX Serial No. XXXX Post Office XXXX Amount {$490.00} Date XX/XX/XXXX First Class Letter {$0.00} Certified Mail {$4.00} Tracking Number XXXX XXXX XXXX XXXX XXXX Return Receipt Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX The Mail Arrived XX/XX/XXXX at XXXX XXXX This instrument continues to be the possession with NO Action or update as of XX/XX/XXXX. 

The Return Receipt was Delivered to XXXX NJ XX/XX/XXXX confirming that this instrument is in the possession of XXXX. 

XXXX a phone call was placed to XXXX about negatively reporting a 30 day late payment when in fact they were and still are in possession of this instrument. The Representative said they would investigate and get back to me they have not as of this date. 

I was again caused harm by another report of a 30 day late payment in XXXX with an error on XXXX processing and retracting payment and given a negative mark of credit reporting... 

I have since paid this Loan off no withstanding of not trusting XXXX to do the right thing by correcting this malicious fraudulent transactions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: NJ

Complaint narrative:
Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount {$490.00} Date XX/XX/XXXX First Class Letter {$0.00} Certified Mail {$4.00} Tracking Number XXXX XXXX XXXX XXXX XXXX Return Receipt Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX The Mail Arrived XX/XX/XXXX at XXXX XXXX This instrument continues to be the possession with NO Action or update as of XX/XX/XXXX. 

The Return Receipt was Delivered to XXXX NJ XX/XX/XXXX confirming that this instrument is in the possession of XXXX. 

XXXX a phone call was placed to XXXX about negatively reporting a 30 day late payment when in fact they were and still are in possession of this instrument. The Representative said they would investigate and get back to me they have not as of this date. 

I was again caused harm by another report of a 30 day late payment in XXXX with an error on XXXX processing and retracting payment and given a negative mark of credit reporting... 

I have since paid this Loan off no withstanding of not trusting XXXX to do the right thing by correcting this malicious fraudulent transactions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Subject : Equifax Complaint Regarding Violation of 15 U.S. Code 1681a Dear Equifax LLC, I am writing to formally express my outrage and dissatisfaction regarding your blatant violation of 15 U.S. Code 1681a, which defines important terms and responsibilities for consumer reporting agencies like yours.

As you are undoubtedly aware, the Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies provide accurate and fair information about consumers. The definition of a " consumer report '' clearly states that any communication of information regarding a consumers creditworthiness must be used appropriately and ethically. However, it has come to my attention that Equifax has failed to uphold these standards, impacting my credit report and subsequently my financial standing. 

The inaccuracies in my credit report, which I have previously brought to your attention, are not just mere clerical errors. They reflect a serious disregard for the responsibilities outlined in Section 1681a. Such negligence is not only unacceptable but also potentially damaging to my creditworthiness and personal reputation. The consequences of these inaccuracies extend beyond mere inconvenience ; they affect my ability to secure loans, obtain housing, and manage my finances effectively.

I demand immediate corrective action to rectify the erroneous information in my credit report. Additionally, I expect a written explanation outlining the steps you will take to ensure that such violations do not occur in the future. Failure to address this issue promptly will leave me with no choice but to pursue all legal remedies.

I expect a response within 5 days of this letter. This situation requires urgent attention, and I trust that you will handle this matter with the seriousness it deserves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. 

Experian does not properly investigate disputes and fail to remove or correct errors on my credit report threatening consumers access to credit employment and housing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Ive found some errors on my credit report that fall under 15 USC 16c-2. The hard inquiries listed werent authorized by me, and this incorrect information is harming my credit. Please remove all unauthorized inquiries. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: DE

Complaint narrative:
To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. Agreement that bears signature of the alleged debtor with promises to pay the original creditor. Complete payment history on this account, to prove that the amount you wish to collect is correct. I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
I have reviewed my credit report and have noticed the creditor XXXX XXXX XXXXXXXX XXXX has been reporting inaccurate information such as balance owed, date of last payment, date account delinquency etc. Section 607 of the FCRA mandates that information reported to consumer reporting agencies must be accurate and complete. XXXX XXXX XXXXXXXX XXXX continues to report late payments or fails to update the account status as charged off or written off for profit loss and failing to send a 1099 form. They are violating this requirement by not reporting accurate information. 
Under Section XXXX, XXXX XXXX XXXXXXXX XXXX  must ensure that the information provided to the credit bureaus is accurate, and if the charge-off status has been reported incorrectly, it is their responsibility to update or correct the report. Furthermore, this account with this creditor is in litigation and has reported to the FTC and law enforcement and two police reports have been filed.

Company response to consumer: Closed with non-monetary relief