vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Subject : Failure to Investigate and Update Credit Report TransUnion I am filing a formal complaint against TransUnion for failing to investigate and update inaccuracies in my credit report history and account balances, despite my dispute submitted in XX/XX/year>. TransUnion is the only credit reporting agency that has not updated my payment history and credit amounts, while XXXX and XXXX have accurately reported the corrections. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), TransUnion is legally required to investigate disputed information within 30 days ( or 45 days if additional documentation is provided ) and correct or delete any inaccurate, incomplete, or unverifiable information. However, they have failed to do so, violating FCRA 611 ( 15 U.S.C. 1681i ), which mandates a reasonable reinvestigation. Furthermore, under FCRA 623 ( 15 U.S.C. 1681s-2 ), furnishers of credit information must report accurate data, yet TransUnion continues to reflect incorrect payment history and account balances. This inaction not only violates the Consumer Financial Protection Bureau ( CFPB ) guidelines but may also be considered an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) under the Dodd-Frank Act ( 12 U.S.C. 5531 ). As a result, my credit score has been negatively affected, preventing me from obtaining fair credit opportunities. I request an immediate reinvestigation, correction of my payment history and credit amounts, and confirmation that TransUnion is complying with FCRA and CFPB regulations. I expect a prompt resolution to this matter.

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 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Please call me as this is complex. I settled a high balance credit card in good standing, all was fine and I was supposed to get a reimbursement check for overpayment. I didnt receive it, and when the reprocessed it I got the check but overplayed. Then they told me all was fine and sent me all official papers confirming it again. The problem is that now it has affected my credit and they say I owe that $ XXXX. Ive spent months in the phone, they say all is fine? But it isnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: WI

Complaint narrative:
Sent a letter to request debt validation, as debt was sold to third party AmeriCollect from XXXX XXXX XXXX. No response received from company confirming debt is owed and due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The data breach has affected my credit report because my information was exposed.

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 2025-02-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

I want the CFPB to publish

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 2025-02-09 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:
I have attached a FTC report containing 5 fraudulent accounts with this report as well as these 3 fraudulent inquiries ( XXXX XXXX  ) ( XXXX XXXX XXXX ) ( XXXX  XXXX ) all listed on my TransUnion 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 2025-02-09 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: MA

Complaint narrative:
I have some inquiries that were made without my authorization. I have tried in several ways and through several different means. I am trying one last time before filing a lawsuit against Equifax. 

XXXX XXXX XXXXXXXX CompanyXXXX XXXX XXXX XXXX XXXX CompanyXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: Kovo
State: OH

Complaint narrative:
Kovo Inc. engaged in unlawful and deceptive financial practices that resulted in significant credit damage. Kovo : 1. Misrepresented itself as a credit-building service while failing to extend any actual credit ( TILA 1605, UCC 3-104 ).

2. Failed to disclose the risk of negative reporting, misleading consumers ( TILA 1666, FDCPA 1692e, CFPA 5536 ( a ) ).

3. Settled an account unilaterally without notice or consent, violating disclosure laws ( TILA 1666, FDCPA 1692f ).

4. Reported a " sales contract '' with no financial transaction, violating FCRA 1681s-2 ( a ).

5. Altered credit reporting post-dispute ( removing balances but keeping negative marks ), proving its own reporting was inaccurate.

Financial Harm : Due to a thin credit profile, Kovos false reporting had an outsized negative impact on my financial standing. 

Credit loss, increased loan rejections, and inability to access financing. 

Kovos unauthorized reporting and inability to substantiate financial consideration constitute a significant breach of consumer protection regulations. Their actions violate multiple federal consumer protection laws, necessitating CFPB enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NY

Complaint narrative:
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal 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
Consumer complaint received 2025-02-09 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: NY

Complaint narrative:
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: FL

Complaint narrative:
Different people call and leave voicemail about debts they are trying to collect and mail also have this been XXXX of XXXX  up to currently I recently tried applying for housing and had to pull my credit report to see why I was approved months before Dec XXXX XXXX and got rejected because my score and inquirys been done had to find out my identity was stolen and used for so much stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

I noticed these accounts on XX/XX/XXXX : Account Name : XXXX  Account XXXX  Date Opened : XX/XX/XXXX Account Balance : {$1300.00} Account Name : XXXX XXXX Date Opened : XXXX XXXX Account Balance : {$690.00} Account Name : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX Account Balance : {$640.00} Account Name : XXXX  XXXX XXXX Date Opened : XXXX XXXX Account Balance : {$390.00} Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX Account Balance : {$210.00} Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX Account Balance : {$830.00} Account name : XXXX XXXX XXXX XXXX XXXX opened : XXXX XXXX Balance : {$120.00} Account name : XXXX XXXX Account Number : XXXX Date open : XXXX XXXX Balance : {$190.00} Account Name : XXXX XXXX  Date opened : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX  Date opened : XXXX XXXX Balance : {$0.00} Hard Inquiries Account Name : XXXX Bank Inquiry Date XXXX XX/XX/XXXX Account Name : XXXX  XXXX XXXX  Finance Inquiry Date : XXXX XXXX Account Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Account Name : XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

I noticed these accounts on XX/XX/XXXX : Account Name : XXXX  Account XXXX  Date Opened : XX/XX/XXXX Account Balance : {$1300.00} Account Name : XXXX XXXX Date Opened : XXXX XXXX Account Balance : {$690.00} Account Name : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX Account Balance : {$640.00} Account Name : XXXX  XXXX XXXX Date Opened : XXXX XXXX Account Balance : {$390.00} Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX Account Balance : {$210.00} Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX Account Balance : {$830.00} Account name : XXXX XXXX XXXX XXXX XXXX opened : XXXX XXXX Balance : {$120.00} Account name : XXXX XXXX Account Number : XXXX Date open : XXXX XXXX Balance : {$190.00} Account Name : XXXX XXXX  Date opened : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX  Date opened : XXXX XXXX Balance : {$0.00} Hard Inquiries Account Name : XXXX Bank Inquiry Date XXXX XX/XX/XXXX Account Name : XXXX  XXXX XXXX  Finance Inquiry Date : XXXX XXXX Account Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Account Name : XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Inquiry Date : 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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Demand Letter for Security Freeze and Enhanced Security Measures Date : XXXX To : XXXX Equifax TransUnion XXXX XXXX XXXXXXXX XXXX XXXX Department Of Insurance XXXX State Attorney Generals Office -Insurance Fraud Division XXXX XXXX Treasury Department FTC XXXX  Attorney General Insurance Fraud Division XXXXXXXX XXXX STATE TREASURY -Fraud department XXXX Attorney General XXXX XXXX department XXXX XXXX XXXX IRS On Behalf of : XXXX Address : XXXX XXXX Email : XXXX  Subject : Demand for Security Freeze and Enhanced Security Measures XXXX XXXX This letter serves as a formal demand for immediate action regarding the identity theft suffered by XXXX XXXX due to the recent data breaches at TransUnion and XXXX. 

Background : XXXX XXXX has been a victim of identity theft following the data breaches at your respective companies. As a result, she has experienced unauthorized attempts to open insurance policies and lines of credit in her name. 

Demands : We demand the following immediate actions to protect XXXXXXXX XXXX XXXX credit and financial security : Security Freeze : We request that you immediately place a security freeze on XXXX XXXXXXXX XXXX  credit report with your respective companies. This freeze should prevent any new credit accounts or lines of credit from being opened without her explicit authorization. 
Enhanced Security Measures : We further demand that you implement enhanced security measures on XXXX XXXXXXXX XXXX credit file. Specifically, we request that any attempt to open a new insurance policy, line of credit, or loan in her name be subject to an additional layer of security, requiring a unique security PIN or phrase known only to XXXX XXXX. This will ensure that any future attempts to open accounts in her name are subject to a more stringent verification process. 
Legal Basis : We are exercising our rights under the Fair Credit Reporting Act ( FCRA ) and other applicable state and federal laws to demand these security measures. 

Consequences : Failure to comply with these demands within 14 business days will result in further legal action, including but not limited to filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal remedies under the FCRA and other applicable laws.

Verification : We request confirmation of the implementation of these security measures within 14 business days. Please provide written verification of the freeze and enhanced security measures, including any specific instructions on how XXXX XXXX can manage her security freeze and PIN/phrase. 

Contact : Please direct all correspondence regarding this matter to the contact information provided above. 

Sincerely, XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: SC

Complaint narrative:
Demand Letter for Security Freeze and Enhanced Security Measures Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX LexisNexis XXXX XXXX South Carolina Department Of Insurance Pennsylvania State Attorney Generals Office -Insurance Fraud Division South Carolina Treasury Department FTC NC Attorney General Insurance Fraud Division NAIC NC STATE TREASURY -Fraud department PA Attorney General Crime Omnbundsment department XXXX XXXX XXXX XXXX On Behalf of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand for Security Freeze and Enhanced Security Measures XXXX XXXX This letter serves as a formal demand for immediate action regarding the identity theft suffered by XXXX XXXX due to the recent data breaches at XXXX and XXXX. 

Background : XXXX XXXX has been a victim of identity theft following the data breaches at your respective companies. As a result, she has experienced unauthorized attempts to open insurance policies and lines of credit in her name. 

Demands : We demand the following immediate actions to protect XXXX XXXX 's credit and financial security : Security Freeze : We request that you immediately place a security freeze on XXXX XXXX 's credit report with your respective companies. This freeze should prevent any new credit accounts or lines of credit from being opened without her explicit authorization. 
Enhanced Security Measures : We further demand that you implement enhanced security measures on XXXX XXXX 's credit file. Specifically, we request that any attempt to open a new insurance policy, line of credit, or loan in her name be subject to an additional layer of security, requiring a unique security PIN or phrase known only to XXXX XXXX. This will ensure that any future attempts to open accounts in her name are subject to a more stringent verification process. 
Legal Basis : We are exercising our rights under the Fair Credit Reporting Act ( FCRA ) and other applicable state and federal laws to demand these security measures. 

Consequences : Failure to comply with these demands within 14 business days will result in further legal action, including but not limited to filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal remedies under the FCRA and other applicable laws.

Verification : We request confirmation of the implementation of these security measures within 14 business days. Please provide written verification of the freeze and enhanced security measures, including any specific instructions on how XXXX XXXX can manage her security freeze and PIN/phrase. 

Contact : Please direct all correspondence regarding this matter to the contact information provided above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XX/XX/year> I sent a letter to inform Citi that I would like to exercise the OPT OUT option pursuant to 15 USC Code 6802 ( a ) ( b ) ( 1 ) ( C ). I asked CITI to stop sharing my nonpublic personal information with any nonaffiliated third party.

CITI reply letter dated XXXX XX/XX/year> states : account is still subject to CITI 's Arbitration provision, because you did not mail your preference to OPT OUT by the deadline CITI established. Completely ignoring the ( FCRA ) and violating my right to privacy.

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 2025-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX  DATE OPENED XX/XX/year>, ACCOUNT NUMBER : XXXX. Account status pays as agreed. XXXX XXXX XXXX XXXX, Account number : XXXX, delete asap not responsible for this account.

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 2025-02-09 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:
Dear CFPB Representative, I am writing to formally dispute negative credit activity reported by Experian on my credit report. I recently reviewed my credit report and identified inaccurate and/or unfairly reported information that is negatively impacting my credit score.

According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be accurate, complete, and verifiable. I believe this negative activity is either incorrect, outdated, or unfairly reported. I have attempted to resolve this matter directly with Experian but have not received a satisfactory resolution. 

I kindly request that the CFPB investigate this matter and take the necessary steps to ensure Experian corrects or removes the disputed information. Enclosed are copies of relevant supporting documents, including my correspondence with Experian and any proof that supports my claim. 

I appreciate your time and assistance in addressing this issue. Please keep me informed of any updates regarding my complaint

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