vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
I have filed disputes with Experian in relation to several illegal collection accounts on my credit report, but they keep verifying them as accurate without providing their verification methods and do nothing to remove the accounts. As a result, my credit score has continued to decrease as all the following accounts are still on my credit report despite me filing a dispute and them not providing their verification method : 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

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent a letter to Teletrack llc in reference to opt out of sharing my personal information to creditors or financial institutions. I have to right to opt out as a consumer. Teletrack llc has violated 15 USC 6802 Disclosure of Personal information.Besides due to data breach I have been a victim of identity fraud and I have been harass by different banks and debt collectors for debt I have no knowledge about and Teletrack llc are making my life a living hell, I can't sleep even at night I get flooded with harassing calls and text messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiries were not and should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to request the removal of certain inquiries from my credit report. The information on these inquiries is inaccurate, and under the California Fair Credit Reporting Act, I have the right to dispute any incorrect information on my credit report. I have the dates and names of the inquiries in question and would like to know where I can send this information for review. Please take the necessary steps to remove these inquiries promptly. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX there XXXX no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
someone applied for credit in my name. Been in contact with XXXX XXXX and XXXX XXXX. Please see the attached letters.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I see that the listed companies, XXXX and Transunion has not responded to my initial dispute of these unauthorized inquiries. Because of this, the dispute must be valid. They have not complied with the FCRA when it comes to responding to my dispute. I demanded that they remove the inaccurate inquiries but they still have not responded after several months. 


TRANSUNION - XXXXXXXX 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

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 2025-01-14 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: NC

Complaint narrative:
I am writing to formally request the removal of an account from my credit report as reported. This request is based on the recent deletion of the account by XXXX, one of the four major credit reporting agencies. 
I recently disputed a charge-off of {$910.00} XXXX XXXX Bank listed on my XXXX report. After a thorough investigation, XXXX deemed the debt unverifiable and removed it from my report as of XX/XX/year>. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure the accuracy, fairness, and verifiability of the information they report. Since XXXX removed this account after its verification process, I request that you do the same. 
Key Supporting Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) : Mandates the removal of inaccurate or unverifiable information.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Requires accurate and complete reporting by information suppliers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CCF Intermediate Holdings LLC
State: NC

Complaint narrative:
I asked to verify how to make a complaint to verify my beneficiary account. 
Immediate Action Required : TitleMax Information Needed T TitleMax Data Breach to me XXXX hours agoDetails Dear XXXX XXXX, This is our second attempt to request time-sensitive information regarding your TitleMax claim. Your prompt attention is crucial to ensure we meet the approaching deadline. 

To proceed with filing your demand for arbitration, we urgently require the following details : The name associated with your TitleMax account Your complete TitleMax Loan Number ( not the loan amount or VIN ) The phone number linked to your TitleMax account Providing this information is mandatory. Failure to do so by XX/XX/year>, XXXX jeopardize your ability to file a demand for arbitration. 

If you have any questions or need assistance, please dont hesitate to contact us by email at XXXX. Were here to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Credence Resource Mana Reported on XXXX, XXXX, 2024 I never had a contract or signed up with this company. Delete collection from all XXXX bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: MS

Complaint narrative:
I am the author of this complaint and I am writing to formally dispute the inaccurate information on my credit report, specifically regarding the following accounts, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), XXXX5 USC 1681. I am requesting an immediate investigation into these accounts, as I have reason to believe they do not accurately reflect my credit history or have been improperly reported. 
The accounts in question are 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

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 2025-01-14 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: MS

Complaint narrative:
I am the author of this complaint and I am writing to formally dispute the inaccurate information on my credit report, specifically regarding the following accounts, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. I am requesting an immediate investigation into these accounts, as I have reason to believe they do not accurately reflect my credit history or have been improperly reported. 
The accounts in question are : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
I disputed inaccurate accounts to experienced, equifax and XXXX and they did not follow up with verification of debts or removed the inaccurate accounts as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I have been back and forth with all of these companies and they dont not respond. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to request the removal of certain inquiries from my credit report. The information on these inquiries is inaccurate, and under the California Fair Credit Reporting Act, I have the right to dispute any incorrect information on my credit report. I have the dates and names of the inquiries in question and would like to know where I can send this information for review. Please take the necessary steps to remove these inquiries promptly. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I am writing to request the removal of certain inquiries from my credit report. The information on these inquiries is inaccurate, and under the California Fair Credit Reporting Act, I have the right to dispute any incorrect information on my credit report. I have the dates and names of the inquiries in question and would like to know where I can send this information for review. Please take the necessary steps to remove these inquiries promptly. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX NA - XX/XX/year> The following inquiry was not and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 2025-01-14 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: LA

Complaint narrative:
The XXXX account is unfortunately continuing to be displayed on my account while the following information is inaccurate and INCONSISTENT across Transunion, XXXX, and XXXX : 1 ) Account Balance 2 ) Account Status 3 ) Open & Closed dates

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