vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRY : XXXX XX/XX/year> TU 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 any 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 ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2025-02-01 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: GA

Complaint narrative:
Subject : Urgent Dispute Resolution Request Incorrect Credit Reporting and Data Protection Concerns ( XXXX XXXX Account XXXX XXXX ) Dear Sir or Madam, I am writing to dispute and request the immediate investigation of inaccuracies in my credit report as mandated under the Fair Credit Reporting Act ( FCRA ). There are several critical issues pertaining to the XXXX XXXX account listed on my credit report that necessitate your urgent attention and action.

Inaccuracies and Discrepancies in Account Reporting : The account in question is incorrectly reported with a status of " Charged Off '' and a past due amount of {$390.00} as of XX/XX/year>. The reported balance of {$6300.00} also seems erroneous. These inconsistencies violate my rights under the FCRA, which requires that all consumer reporting agencies maintain accurate and complete information in consumer reports ( 15 U.S.C. 1681e ).

Impact of Data Breaches on Personal Information : It is well-documented, including in recent legal proceedings against Experian by the Consumer Financial Protection Bureau ( CFPB ), that Experian has faced issues related to the accuracy and protection of consumer data. Moreover, the significant data breach at Equifax has heightened my concerns about the vulnerability of my personal information and the potential for incorrect data handling and reporting. 

Given these precedents, there is a reasonable basis to question the integrity of the reported information, especially when it directly impacts my creditworthiness. In light of this, I am compelled to request a comprehensive investigation into this account 's reporting. If the account details can not be verified or substantiated, I insist on their immediate removal to comply with FCRA 611.

Request for Compliance and Action : A detailed investigation of the account to verify the accuracy of the reported information.

Immediate correction/removal of the account from my credit report.

Provision of updated credit report post-investigation at no charge.

Confirmation in writing of all actions taken on this matter.

I have attached copies of relevant documents supporting my claim and evidencing my identity for your reference.

Please note that this letter serves as a notice that your failure to comply with FCRA requirements could lead to investigations by the Federal Trade Commission and legal actions on my part for any damages sustained.

Thank you for your immediate attention to this serious matter. I expect a written response within 30 days, as stipulated by law. 

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 non-monetary relief
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
Subject : Urgent Dispute Resolution Request Incorrect Credit Reporting and Data Protection Concerns ( XXXX XXXX Account XXXX XXXX ) Dear Sir or Madam, I am writing to dispute and request the immediate investigation of inaccuracies in my credit report as mandated under the Fair Credit Reporting Act ( FCRA ). There are several critical issues pertaining to the XXXX XXXX account listed on my credit report that necessitate your urgent attention and action.

Inaccuracies and Discrepancies in Account Reporting : The account in question is incorrectly reported with a status of " Charged Off '' and a past due amount of {$390.00} as of XX/XX/year>. The reported balance of {$6300.00} also seems erroneous. These inconsistencies violate my rights under the FCRA, which requires that all consumer reporting agencies maintain accurate and complete information in consumer reports ( 15 U.S.C. 1681e ).

Impact of Data Breaches on Personal Information : It is well-documented, including in recent legal proceedings against Experian by the Consumer Financial Protection Bureau ( CFPB ), that Experian has faced issues related to the accuracy and protection of consumer data. Moreover, the significant data breach at Equifax has heightened my concerns about the vulnerability of my personal information and the potential for incorrect data handling and reporting. 

Given these precedents, there is a reasonable basis to question the integrity of the reported information, especially when it directly impacts my creditworthiness. In light of this, I am compelled to request a comprehensive investigation into this account 's reporting. If the account details can not be verified or substantiated, I insist on their immediate removal to comply with FCRA 611.

Request for Compliance and Action : A detailed investigation of the account to verify the accuracy of the reported information.

Immediate correction/removal of the account from my credit report.

Provision of updated credit report post-investigation at no charge.

Confirmation in writing of all actions taken on this matter.

I have attached copies of relevant documents supporting my claim and evidencing my identity for your reference.

Please note that this letter serves as a notice that your failure to comply with FCRA requirements could lead to investigations by the Federal Trade Commission and legal actions on my part for any damages sustained.

Thank you for your immediate attention to this serious matter. I expect a written response within 30 days, as stipulated by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: NJ

Complaint narrative:
The address : 1XXXX XXXX XXXX XXXXXXXX, NJ, is incorrectly associated with my name and credit report. I am a survivor of XXXX XXXX and this information is not mine.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The address : 1XXXX XXXX XXXX XXXXXXXX, NJ, is incorrectly associated with my name and credit report. I am a survivor of XXXX XXXX and this information is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: IL

Complaint narrative:
I am writing to request the immediate removal of any fraudulent or inaccurate information on my credit report resulting from the recent data breach. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and complete credit file, and I believe that the breach has compromised my personal data and led to potential inaccuracies or unauthorized entries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ) REMOVE ALL ACCOUNTS THATS LISTED ABOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: NJ

Complaint narrative:
I am filing a formal complaint regarding fraudulent accounts on my credit report, which were opened without my authorization. Despite my disputes with Experian, TransUnion, and Equifax, these errors remain unresolved, severely affecting my financial stability. 

Under 15 U.S.C. 1681c-2, I request immediate blocking and deletion of these accounts and a written confirmation of their removal. Failure to comply violates 15 U.S.C. 1681n, entitling me to legal action for damages caused by this willful noncompliance.

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 2025-02-01 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: NJ

Complaint narrative:
I am filing a formal complaint regarding fraudulent accounts on my credit report, which were opened without my authorization. Despite my disputes with Experian, TransUnion, and Equifax, these errors remain unresolved, severely affecting my financial stability. 

Under 15 U.S.C. 1681c-2, I request immediate blocking and deletion of these accounts and a written confirmation of their removal. Failure to comply violates 15 U.S.C. 1681n, entitling me to legal action for damages caused by this willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: SC

Complaint narrative:
I am filing a complaint against Equifax for failure to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB ' s recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The following are the accounts I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX  XXXX {$3800.00} XXXX XXXX  XXXX {$3000.00} XXXX XXXX  XXXX XXXX {$880.00} These credit accounts are the results of identity theft and fraud.

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 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Amount reported as owed {$9600.00} Jefferson Capital reported that I owe them and I dont have any recollection of doing business with them No written proof that shows I entered into any legal agreement with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: IL

Complaint narrative:
I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
SPRINGOAKCAP Original creditor : XXXX XXXX XXXX XXXX XXXX Balance details 0 % paid off Balance {$380.00} Balance updated XX/XX/XXXX Original balance {$380.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payment history available to display. 

Comments Placed for collection - Your statement Contact info Name SPRING OAKS CAPITAL LLC Address XXXX, VA XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
Creditor Name : XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
XXXX XXXX INQUIRY DATE WAS XXXX XXXX, RAN MY CREDIT REPORT WITHOUT MY WRITTEN CONSENT. 

XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: Consumer Portfolio Services, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, RAN MY CREDIT REPORT WITHOUT MY WRITTEN CONSENT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Removal date XXXX XXXX Additional details Business type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX submitted a dispute for this account of XXXX for it has been on my account for 8 years now and have disputed this on multiple occasions. But keeps getting denied. And in my report says that i made continuous payments from XXXX all the way up to XXXX but did not even have that vehicle for more then a year i believe motor broke down and dealership did not want to fix but on report says that i payed all the way up XXXX of XXXX but is not correct this account has been opened since XX/XX/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 2025-02-01 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2025-02-01 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:
Equifax/XX/XX/XXXXXXXX XXXX is using my information unlawfully. I feel that my rights have been violated Under 15 USC 1681i ( a ) ( 5 ) B ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I feel that my rights have been violated, and I demand that this information be deleted immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report.

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 2025-02-01 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: PA

Complaint narrative:
I am writing to follow up on my previous dispute regarding the ongoing inaccurate and unverified negative reporting on my credit profile. Despite my prior complaints and submitted evidence, you have failed to take corrective action, allowing these inaccuracies to persist and cause continued harm to my credit standing.

Company response to consumer: Closed with explanation