vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Dear CFPB, I am submitting a formal dispute regarding an account reported on my credit report by Harris & Harris , Ltd . I am deeply concerned about this reporting and believe it violates my rights under the Fair Credit Reporting Act ( FCRA ).

I noticed an account reported by Harris & Harris , Ltd on my credit report. The details are as follows : Original Creditor : Harris & Harris , Ltd Account Status : Open Type : Open Balance Balance : {$220.00} Date Opened : XX/XX/year> ( 2 months ago ) I did not authorize this entity to report any account under my name, nor do I have a contractual relationship with them that would provide a permissible purpose under the FCRA ( 15 U.S.C. 1681b ).

I contacted the creditor to request proof of permissible purpose, including a written agreement or contract containing my signature. They have failed to provide any documentation to validate their reporting.

Additionally, I have identified two violations of my rights under the FCRA : 1.Violation of FCRA 1681b : Harris & Harris , Ltd has failed to demonstrate a permissible purpose to access or report information on my credit file.

2.Violation of FCRA 1681i : By not validating their claim after my dispute, they are in violation of their obligation to investigate and provide proof of the accuracy of their reporting. 

Reporting an account without authorization and failing to validate it after a dispute is a clear violation of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: AL

Complaint narrative:
For months I have submitted requests to investigate who these companies are that are submitting my information in the form of a collection, to Experian and XXXX. Each time they so called investigate, I receive an update that the debt is valid. But per my knowledge I have not even communicated with them companies at all, nor done a contract with them. I dont think I have been given a fair chance. Also per 15 U.S. code ( a ) 4, my personal information has been exchanged without my consent to these companies. And I have not been able to get housing for my family because of those accounts placed on my report be, theyre fraudulent if you ask me. I dont understand the process of investigation by Experian but I dont think they have done any investigating. Please help me with this

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 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Date of complaint is XX/XX/year> ; JP MORGAN CHASE reports abuse of account this information is inaccurately reported. I have never abused this account. 

According to FCRA Section 605B, it is illegal to report any info on my credit report without my permission. 

Please remove from the XXXX XXXX. Ive reached out multiple times to obtain this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
Purchased card at XXXX and it didnt work. Called to get a replacemnt on XX/XX/year>, they said XXXX business days. It has been XXXX business days, still no card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-12 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: CA

Complaint narrative:
I am currently reviewing my TransUnion Credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA 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 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a deposit on the ATM machine of Chase. I deposited XXXX XXXXThe ATM was broken without any notice and just showed theres something wrong and just took the money without putting it in my account. I called the bank and after the investment they just give me XXXX XXXX  back. I called the bank again and they just said the XXXX XXXX  are missing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : Follow-Up Regarding Unauthorized Inquiries on My Credit Report To Whom It May Concern, I am writing in response to your recent communication regarding my dispute of unauthorized inquiries on my credit report. While I appreciate your explanation that inquiries remain on my report for two years, your response does not address the issue at hand : the verification of permissible purpose for the inquiries I disputed.

As stated in my original letter, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, a consumer report may only be accessed for specific permissible purposes, and such purposes must be documented. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires that information found to be inaccurate, incomplete, or unverifiable after a reinvestigation must be promptly deleted.

I have already contacted the companies responsible for these inquiries, and they have failed to provide written authorization or any documentation demonstrating I initiated or authorized these inquiries. This failure makes the inquiries unverifiable and, therefore, subject to removal under the FCRA. 

To reiterate, the inquiries in question are as follows : XXXX XXXX  Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX I respectfully request that you provide me with documentation confirming these inquiries were made with permissible purpose. If you are unable to provide such evidence, I ask that these inquiries be removed from my credit report immediately. 

Please provide a written response to this matter, including the results of your reinvestigation, within 30 days as required by law. If no resolution is reached, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2025-01-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : Follow-Up Regarding Unauthorized Inquiries on My Credit Report To Whom It May Concern, I am writing in response to your recent communication regarding my dispute of unauthorized inquiries on my credit report. While I appreciate your explanation that inquiries remain on my report for two years, your response does not address the issue at hand : the verification of permissible purpose for the inquiries I disputed.

As stated in my original letter, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, a consumer report may only be accessed for specific permissible purposes, and such purposes must be documented. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires that information found to be inaccurate, incomplete, or unverifiable after a reinvestigation must be promptly deleted. 

I have already contacted the companies responsible for these inquiries, and they have failed to provide written authorization or any documentation demonstrating I initiated or authorized these inquiries. This failure makes the inquiries unverifiable and, therefore, subject to removal under the FCRA. 

To reiterate, the inquiries in question are as follows : XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX I respectfully request that you provide me with documentation confirming these inquiries were made with permissible purpose. If you are unable to provide such evidence, I ask that these inquiries be removed from my credit report immediately. 

Please provide a written response to this matter, including the results of your reinvestigation, within 30 days as required by law. If no resolution is reached, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2025-01-12 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:
TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute and Request to Block Fraudulent Information Under FCRA Sections 605B and 1681c-2 Dear TransUnion, I am writing to formally dispute the presence of multiple inaccurate and fraudulent items on my credit report. I request the immediate blocking and removal of the following accounts and inquiries under the provisions of Section 605B of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2 : Accounts to Be Blocked and Removed Immediately : DPT EDXXXX - Account # : XXXX DPT ED/XXXX - Account # : XXXX DPT EDXXXX - Account # : XXXX XXXX XXXX XXXXXXXX - Account # : XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX - Account # : XXXX XXXX XXXXXXXX - Account # : XXXX Inquiries to Be Removed Immediately : XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX TransUnion Basis for Dispute : Identity Theft and FCRA Section 605B Under Section 605B of the Fair Credit Reporting Act, victims of identity theft are entitled to have fraudulent information resulting from identity theft permanently blocked from their credit reports. To comply with this law, you must remove the accounts and inquiries listed above immediately. 

I am submitting the required documentation to validate my claim : A copy of my government-issued ID ( proof of identity ). 
A copy of my Identity Theft Report, filed with law enforcement or the Federal Trade Commission ( FTC ). 

Impact of Identity Theft and Data Breaches My personal information was exposed in multiple data breaches, including those involving XXXX XXXX XXXX, XXXX, and TransUnion itself. These breaches have resulted in unauthorized accounts and inquiries appearing on my credit report, harming my financial reputation and limiting my ability to secure loans, housing, or employment.

Request for Immediate Action As required under Section 605B, you must block and remove the fraudulent information within four ( 4 ) business days of receiving this dispute and supporting documentation. Please confirm in writing that the accounts and inquiries have been permanently removed. 

Failure to comply with these legal obligations will result in an escalation to the Consumer Financial Protection Bureau ( CFPB ) and additional legal action to enforce my rights under the FCRA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, GA XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-12 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-12 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 XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX XXXXXXXX XXXX5 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 2025-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
After multiple complaints, mohela finally explained why my XXXX held private signature loans don't qualify for refund under the XXXX lawsuit, but they failed to give me an update on all the other subsidized XXXX  XXXX XXXX  that they are now servicing, the status of my past payments refund, or why my account has been blank for more than a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: MI

Complaint narrative:
I am a natural person. I am a living human being. I have rice under 15 USC 1681 XXXX is governed by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 ; I have the right to privacy and I did not give XXXX written permission to, furnish these accounts 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. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

The FCRA

Company response to consumer: Closed with non-monetary relief