vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 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: NV

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXXXXXX 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.

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 2024-05-09 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: NV

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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:
PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I had problems with my account prior to contacting you guys today. My account was closed back in XXXX or XXXX due to fill your payment, but I attempted to make multiple payments and try to show you proof, but my account is now permanently closed due to the inconvenience and a hardship that I am facing now, I would like to settle this Debt for {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-05-09 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:
XXXX and Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LASTLY INCORRECT PERSONAL INFORMATION-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The creditor has violated my rights under15 USC 1681sec 602 and sec. 604 ( a ) section2.

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 2024-05-09 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: CA

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: CA

Complaint narrative:
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 action requested ; To have illegal hard inquiries removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: The Sayer Law Group, P.C.
State: NY

Complaint narrative:
On XX/XX/2024 I was supposed to receive my Federal Tax Refund of {$3500.00} from my XXXX XXXX XXXX Account. 
Sayer Law Group Took my ENTIRE Federal Tax Refund without ANY Written consent or warning. I was caught off guard and I would have Settled this Old Debt if it was handed differently. 
I asked XXXX XXXX to close my Account because at this point they are just XXXX Thieves. They Literally LOCKED ME OUT OF MY ACCOUNT AND SENT ME A CHECK FOR {$5.00}. They are missing the {$3500.00} TAX REFUND CHECK THEY TOOK FROM MY LIFE! I am a Tax paying Citizen and THEY NEVER GAVE me ANY NOTICE that they was taking my ENTIRE TAX RETURN. I just lost my job a week prior. I had NO phone call, email, or ANYTHING in writing saying they were collecting a Debt from a Credit Card closed over a year ago! 
I believe they are OTHER VICTIMS! 
When I called XXXXXXXX XXXX  they told me that this is Internal and that I should contact Sayer Law Group. I called the company and it just rang out. Sayer Law Group has collected a debt I believe illegally. The credit card I had from XXXX XXXX has been Closed for over a year. 
I also have had money in and out of the account that they didnt touch. This has ruined me financially recently. I Need my {$3500.00} back!! XXXX XXXX AND Sayer Law Group havent sent ANYTHING in writing to let me know they were collecting a Debt. And I am Locked out of my XXXX XXXX Account. 
I believe they are XXXX and I would NEVER recommend them to anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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:
XXXX response to consumer complaint # XXXX did not include the steps they took, or will take, to address your complaint. 
XXXX is actively and purposely engaging in an evasive and stalling tactic requesting information about what the consumer 's complaint is about. XXXX is well aware of the purpose of my complaint and their FCRA consumer reporting violation. I, the consumer have submitted my complaint at their website where a have a vetted verified account without a resolve. XXXX failure to resolve this issue is what has led to the CFPB filed complaint. The most previous CFPB filed complain concerning this matter was filed on XX/XX/year> Complaint # XXXXwith no resolve. XXXX must according to FCRA consumer reporting remove any and all incorrect information from the consumers ' credit file including all past history of such incorrect information. Furthermore, XXXX has exceeded 90 days to clear this matter up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX.was the debt collector for one main financial. I have a court order. For them to garnish {$50.00} every 2 weeks they told my job that I have to pay 20 % of wages to one main financial I have a court order {$50.00} every two weeks my job garnished {$290.00} which isn't the court order I didn't even know XXXX XXXX XXXX XXXX.isnt collecting the debt anymore they never sent a letter to my address. I found out today because I got paid seen the wage garnishment of {$290.00} taken out my check. We have a court order that should be followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: AL

Complaint narrative:
Inaccurate personal information

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 2024-05-09 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: Affirm Holdings, Inc
State: WV

Complaint narrative:
Affirm reported to my credit report that i have 9 different accounts that belonged to me. The accounts belonged to my son which has the same name and address as me. The company investigated and concluded that the 9 accounts was mine and refused to remove from my credit report. The accounts belong to my son with different social security number and birth date which apparently do not utilize this information. They continue to report negative information on my credit report. I spoke with their fraud department and the employees barely spoke English language. They would not release any details other they they closed the investigation and confirmed the accounts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: TX

Complaint narrative:
MY CREDIT PROFILE IS INACCURATE WHICH IS NOT FAIR TO ME. PLEASE INVESTIGATE THIS AND FIX IT ... IM REALLY SICK AND TIRED OFTHESE XXXX. SHOULD THERE BE ANY UPDATE ON MY INQUIRIES, IM GON NA GO TO COURT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: TX

Complaint narrative:
MY CREDIT PROFILE IS INACCURATE WHICH IS NOT FAIR TO ME. PLEASE INVESTIGATE THIS AND FIX IT ... IM REALLY SICK AND TIRED OFTHESE XXXX. SHOULD THERE BE ANY UPDATE ON MY INQUIRIES, IM GON NA GO TO COURT.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-05-09 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-09 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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 kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
IVE called and reported fraud on my account back on XX/XX/23, i was assured that account would be removed from report after account was confirmed as fraud and not mine. i have recording from XXXX stating that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I previously filed a dispute with Transunion. After resubmitting several requests for dispute, it was resolved. Today, Thursday, XX/XX/2024, I contacted Transunion to send an updated report to a creditor who has received my report in the last six months per the information stated in the Investigation Result report. The specific language in the investigation result report states : - If there has been a change to your credit report as a result of our investigation, or if you have added a statement to your report, you may ask TransUnion to send an updated credit report to those who have received your report within the last 2 years for employment purposes or within the last 6 months ( or 1 year, where applicable ) for any other purpose. ( pg 5 of the attached documentation ) I was given several instances of misinformation as follows : 1. I was told Transunion only provides disputes results by mail, but mine were delivered via email. 
2. I was told I must send my request and send my own credit report to the companies whom requested it. 
3. I was told they can not see the language in the investigation result report. 
4. I was told the above statement is not in the investigation report. 
5. I asked for a supervisor and was told that there is not a supervisor I could speak to. 

I am beyond disappointed in Transunions response each time I have contacted this company for assistance. Their employees lack of knowledge and failure to understand is infuriating and violates my rights as a consumer. This company should be investigated to ensure they are accurately investigating and responding to customer inquiries and investigations as stated by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief