vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX SS # : XXXX XX/XX/XXXX Re : Hard Inquiries To Whom It May Concern, I would like to dispute the following hard inquires on my credit report. Under the Fair Credit Reporting Act ( FRCA ), Section 611 ( 15. U.S.C 1681i ), unverified inquires must be removed. Please investigate and remove any unverifiable inquiries within XXXX days. 

Factual Data XX/XX/XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: GA

Complaint narrative:
I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/year> XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$5700.00} XXXX XXXX XXXXXXXX Balance Owed : {$4800.00} XXXX XXXX  **** Balance Owed : {$930.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/year> In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: GA

Complaint narrative:
I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/year> XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$5700.00} XXXX XXXX XXXXXXXX Balance Owed : {$4800.00} XXXX XXXX  **** Balance Owed : {$930.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/year> In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.

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 2025-03-03 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GREENSKY OPERATIONS, LLC
State: DE

Complaint narrative:
i spoke on 2 occasions in the last month with greensky about a loan credit line that i used to have my teeth repaired. their interest rate on the card is XXXX percent. i want to send you a screen shot of the bill and the amount i owe. i became unemployed in XXXX of 2024 after 7.8 years of employment it has been difficult for me to find work as i am over looked alot because of my age 61 years experiencing age discrimination. i asked them to close the account and i have it refferred to XXXX XXXX XXXX XXXX XXXX XXXX informed me that greensky will not cooperate with them in lowering the interest rate. 

i already have most of my account ins dept management with greensky. all except greensky line of credit and 2 major credit cards from XXXX the XXXX XXXX XXXX in XXXX. 

can you help. please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: NC

Complaint narrative:
15 U.S.C. 6802 is a section of the United States Code that covers how financial institutions can disclose personal information. 15 USC 6801 Protection of nonpublic personal information. 15 USC 1681 is part of the FCRA, which governs how consumer credit reports are accessed.

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 2025-03-03 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:
15 U.S.C. 6802 is a section of the United States Code that covers how financial institutions can disclose personal information. 15 USC 6801 Protection of nonpublic personal information. 15 USC 1681 is part of the FCRA, which governs how consumer credit reports are accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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:
I have inaccurate information reporting on my credit report. I dispute the information listed on my credit report that I have listed in the dispute pdf, which does not relate to any transaction initiated by me. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that you block and delete all disputed information from my credit report. Under the FCRA, credit reporting agencies are required to block fraudulent information within XXXX business days of receiving proper documentation. have attached a copy of my FTC Identity Theft Report, as required by FCRA Section 605B. Please investigate this matter and provide a written explanation of your findings and actions. 
Enclosures : Identity Theft Report credit report Proof of Identity Copies of FAIR CREDIT REPORTING ACT Notice of dispute for reinvestigation

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 2025-03-03 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:
Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. I have attached all letters that were sent out via mail to Experian, XXXX, XXXX and creditors, Thank you for your time and help in this matter. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I submitted a dispute letter to Experian on XX/XX/year> and they didn't respond within XXXX  days. I am submitting this complaint to get help from the CFPB with this dispute. It is my right as a consumer to dispute inaccurate accounts on my credit report. I don't understand why Experian will not cooperate. This is causing me so much stress. 

I would like for Experian to start an investigation for the XXXX  XXXX account that I included in my dispute letter. 

Attached is the dispute letter, my ID and my social security card.

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 2025-03-03 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: MD

Complaint narrative:
Equifax has been reporting information on my consumer report which is a violation of the FCRA regulations. My information has been reported in the data breach and Equifax has provided a letter confirming this information. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.

The FCRA ensures accuracy, fairness, and privacy in the practices of consumer reporting agencies. Key provisions include : Permissible Purposes : Consumer reporting agencies can only furnish consumer reports under specific circumstances, such as with the consumer 's consent or for legitimate business needs. 

Identity Theft : Consumers can place fraud alerts and security freezes on their credit reports to prevent unauthorized access or new credit accounts after a data breach. REMOVE ALL ACCOUNTS FROM XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, REMOVE ALL LATE PAYMENTS, REMOVE ALL INQUIRIES, REMOVE ALL OF THE FOLLOWING ACCOUNTS WITHIN THE NEXT XXXX DAYS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This accounts is hurting my ability to obtain XXXX 's my understanding that the credit bureaus will investigate this account for me to ensure acuracy here is the account I am asking you to verify as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This accounts is hurting my ability to obtain XXXX 's my understanding that the credit bureaus will investigate this account for me to ensure acuracy here is the account I am asking you to verify as accurate.

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 2025-03-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: GRIFFIN FUNDING, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX : Griffin Funding should be made aware that XXXX XXXX was not licensed to be an originator on our loan in the state of Oklahoma. On our loan paperwork, she is very clearly listed as the originator on our loan when the NMLS website does not have Oklahoma as a state where she can perform those tasks. We ended up terminating the loan due to a number of reasons to include our inability to secure financing before closing and for the main reason being that we didnt feel comfortable with XXXX not being licensed to give us the loan for Oklahoma XXXX We had been skeptical throughout the entire process and this was icing on the cake. Im glad we chose to not go through with this loan because we have no idea what would have happened if the CFPB found out this information when we had the loan. Would we have an illegal loan? Would we get in trouble for not having a legit loan? Would we lose the house? 

She was also extremely hard to contact at all times. She would rarely answer her phone, text, or email. There was times where it took 3-4 days to hear back from her. Our buyers agent also had a very difficult time contacting her. A lender should be more responsive especially when we are needing quick and timely updates or modified loan terms. This made for a very difficult loan process and very frustrated sellers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: FL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts ( XXXX BANK ) XXXX ( XXXX XXXX  ) XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: CL Holdings LLC
State: FL

Complaint narrative:
I have a alledged collection on my report ... thats been deleted from my file XXXX times reinsertion is violation of my right under the CRA law ... and also reaging this debt is another violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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:
I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX BALANCED {$110.00} XXXX XXXX XXXX BALANCED {$520.00} In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.

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 2025-03-03 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 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 XXXXXX/XX/year>

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 2025-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: NY

Complaint narrative:
On XXXX this car was totaled. I report the accident and requested to file a gap claim. My gap claim was denied. Denial reason was due to payment issues with account. The only issue that we have here is that Westlake wrongfully cancelled my gap coverage. The contract clearly states that the gap coverage can only be cancelled if the loa is paid off, or if the vehicle is no longer in the customers possession due to a legal repossession. After tons of calls and pleads for help I was able to obtain the entire gap policy for review and had a representative say yeah it should not have cancelled. I am now being sued for an amount much higher that what I owe. Westlake not only wrote off the wrong amount for themselves, they have reported the wrong amount with credit bureaus and hired an attorney to still get back the wrong amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a 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 the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-03-03 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: IL

Complaint narrative:
I have discovered multiple items on my credit report that I do not recognize, suggesting that my identity may have been compromised. I never authorized these accounts and have previously reported this issue. I am now requesting their immediate removal from my report. These unauthorized accounts are causing me significant distress, as they misrepresent my credit history and financial responsibility. Resolving this matter has been challenging, and if it remains unaddressed, I am prepared to take legal action to protect my rights. These inaccuracies are severely impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I urge you to resolve this issue promptly.

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 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/XXXX in the afternoon, my Chase bank checking account was randomly restricted/frozen without warning. They told me on XX/XX/XXXX that they dont have any info to provide me on the reason why it froze and it has to go through a process to fully close the account and then they will send me a check for my remaining balance. On XX/XX/XXXX I received my IRS tax refund of XXXX $ and the next day my chase account froze. After making a few payments my account went down to XXXX XXXX I need my money back I was counting on my tax refund to pay a lot of backed up bills. Pleaseeeeee help me resolve this with chase bank.

Company response to consumer: Closed with explanation