vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
I have been disputing an account with Equifax regarding XXXXXXXX XXXX XXXX since XX/XX/XXXX. The account was removed from my credit report in midXXXX XXXX and then was reinstated in early XX/XX/XXXX. Equifax stated that the furnisher submitted a letter stating that the account was verified as accurate and belonged to me. I requested their proof of documents and they never provided them to me. I filed with the FTC and reported the account as fraud based on identity theft and provided the FTC report with a letter of dispute sent to XXXXXXXX XXXX XXXXXXXX to which I never received a response. I resubmitted the dispute because the year this account was opened, I was XXXX with the XXXX  XXXX XXXX XXXXXXXX XXXX at XXXX XXXX XXXX  from XX/XX/XXXX. My release date was XX/XX/XXXX, XXXX. I provided the release documents provided to me by the facility 's warden when I filed this dispute. Then I got an email checking my dispute online and it was denied. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and were denied. I am extremely disappointed, as I am providing concrete proof, and I think that Equifax and XXXX XXXX XXXXXXXX are not reviewing the disputes or proof provided. I need this information to be removed from my account as these accounts were opened without my consent while I was incarcerated. Please help me in getting this account removed from my report as soon as possible. Thank you for your assistance with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: GA

Complaint narrative:
XXXX XXXX and trans union have reported unauthorized inquiries on my report. Inquiry dispute letter attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: GA

Complaint narrative:
XXXX Experian and XXXX XXXX have reported unauthorized inquiries on my report. Inquiry dispute letter attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: GA

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, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, I am a victim of Equifax Data Breach. Delete it from my credit Report Today! 

XXXX XXXX XXXX XXXX. XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX ) : Account number : XXXX, I am a victim of Equifax Data Breach. Delete it from my credit Report Today! 

XXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX ) : Account number : XXXX, I am a victim of Equifax Data Breach. Delete it from my credit Report Today! 

XXXX XXXX  : Account number : XXXX, I am a victim of Equifax Data Breach. Delete it from my credit Report Today! 

DEPT OF EDUCATIONXXXX : Account number : XXXX, I am a victim of Equifax Data Breach . Delete it from my credit Report Today! 

XXXX XXXX XXXX XXXXXXXX : Account number : XXXX, I am a victim of Equifax Data Breach. Delete it from my credit Report Today! 

XXXX XXXX : Account number : XXXX, I am a victim of Equifax Data Breach. Delete it from my credit Report Today! 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING 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, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

The Following Inquiries are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : Current Name Inquire Type Inquired On XXXX Credit transaction XX/XX/XXXX XXXX XXXX Credit transaction XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Credit transaction XX/XX/XXXX XXXX Credit transaction XX/XX/XXXXXXXX XXXX XXXXXXXX Credit transaction XX/XX/XXXXXXXX XXXX XXXX  Credit transaction XX/XX/XXXX My identity has been stolen, you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

YOU TransUnion have aided this Fraud by not verifying these accounts.

Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: IN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, and if not to please remove from credit immediately my credit? 

I have contacted, absolute resolution in regards to account number XXXX. 

no purchase history has been sent to me or that has been verified and this is still being reported as a debt on my credit which is fraud. This is the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: FL

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 to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: IL

Complaint narrative:
There are several unverified items on my report that I am requesting to be deleted per my legal rights under the FCRA - Fair Credit Reporting Act : XXXX Account No. XXXX This Account is unverified. Delete Immediately. 

XXXX Account No. XXXX This Account is unverified. Delete Immediately. 

XXXX Account No. XXXX This Account is unverified. Delete Immediately. 


Delete these unverified accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
According to my records of previously submitted disputes/documents via USPS, CFPB, and/or your online portal, you were in receipt of my prior communications and were obligated by law to take investigate my claim for action within 30 days of receiving notice of dispute. Knowing that this is a lawful obligation of yours, you both knowingly and willfully failed to delete the disputed information. Additionally, you have not communicated any probable error that would prevent you from completing this as everything that is NEEDED to fulfill my request was included in my initial dispute. There was no cause for you to stall or reason for you to stall, procrastinate, or refuse your duties. 

Therefore, I am now demanding the immediate removal of the disputed information. Under the provisions of the FCRA, you are also liable for damages, as outlined in 15 U.S.C. 1681n-1681o. In addition to removing the disputed information, you are required to issue a payment of {$1000.00}, made payable to my name as indicated in the letterhead above. For your convenience, I have included a completed IRS W-9 form to assist with your accounting or legal tax obligations. 

I want to be explicitly clear that this is not a notice or attempt to start a new dispute. Ive already tried to rectify this affair with you. By law, you are only allowed 30 days from day of receipt to dispute, and that time has since elapsed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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:
According to my records of previously submitted disputes/documents via USPS, CFPB, and/or your online portal, you were in receipt of my prior communications and were obligated by law to take investigate my claim for action within 30 days of receiving notice of dispute. Knowing that this is a lawful obligation of yours, you both knowingly and willfully failed to delete the disputed information. Additionally, you have not communicated any probable error that would prevent you from completing this as everything that is NEEDED to fulfill my request was included in my initial dispute. There was no cause for you to stall or reason for you to stall, procrastinate, or refuse your duties.

Therefore, I am now demanding the immediate removal of the disputed information. Under the provisions of the FCRA, you are also liable for damages, as outlined in 15 U.S.C. 1681n-1681o. In addition to removing the disputed information, you are required to issue a payment of {$1000.00}, made payable to my name as indicated in the letterhead above. For your convenience, I have included a completed IRS W-9 form to assist with your accounting or legal tax obligations. 

I want to be explicitly clear that this is not a notice or attempt to start a new dispute. Ive already tried to rectify this affair with you. By law, you are only allowed 30 days from day of receipt to dispute, and that time has since elapsed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: GA

Complaint narrative:
Attention Discover Bank Reference to XXXX May be the Representatives did NOT make it clear. 

I dont know what you mean by verified but I was out of the United States for over 2 years and it has been verified by the exit and entry stamp on my passport. 

I left fall XXXX  and I provided your company representatives with my overseas address several times before leaving the country because I was unable to add an overseas address to my account. 

When I wasnt receiving my mails from your company : I called several times to tried to get my bills sent to me oversea, however, your representatives wanted me to verify my account via my United States phone number which was impossible since I was out of the country. 

Every time I tried to sign on to my account oversea, it asked me to verify my account via United States phone number which why I called your company several times and made certain they have my overseas address before my departure. 

The last representative l spoke with overseas : informed me to wait and get back in United States before I can start making payments on my account. 
Please listen to all phones conversations and notations on my account starting from fall XXXX. 

Therefore, since your representatives failed to provide me with the accurate information before my departure date from United States, I am requesting for your company to remove all late fees, interest, and any other fees and charges accumulated from fall of XXXX  before I will make arrangements for payments. 

Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: MO

Complaint narrative:
I am writing to report Kia Finance Deceptive Practices and to formally lodge a complaint against Kia Finance regarding their failure to respond to my inquiries and their continued issuance of bills for additional charges without providing any explanation or response. 

On XX/XX/year>, I sent a request letter to Kia Finance ( attached ) XXXX main offices in USA ( CA and TX ) via certified mail, seeking clarification on additional charges that appeared on my account. I have proof that Kia Finance received my letter. Despite this, more than a month has passed, and I have not received any formal response or acknowledgment from Kia Finance addressing my concerns.

During this time, Kia Finance has continued to send bills for the additional charges without providing any explanation or justification for these amounts. This lack of communication and transparency is causing significant frustration and financial distress.

I believe Kia Finances actionsor lack thereofare in violation of fair financial practices and consumer protection laws. As a customer, I have the right to clear and timely communication regarding my account and any charges applied to it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: GA

Complaint narrative:
Transunion committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability. It has been over 30 days since I've reuqested this information to be verified or deleted. This is now affecting my family 's livelihood. Please delete ALL XXXX XXXX accounts on my report. I've also reported that the inquiries on my transunion report does NOT belong to me. I've shown proof and yet it still remains.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: TN

Complaint narrative:
Recent letters from Selene with my modification XXXX payments information is different from letter received XXXX XXXX saying I have a forbearance not a modification. Requested my mortgage be spread out over 40 years for a lower payment. Selene has mailed me several documents with conflicting information. 

See attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I opened my Bank of America checking account on XX/XX/XXXX. The next day my account was frozen for no reason. I was able to fix it by verifying information on a phone call. I then deposited {$2000.00} on XX/XX/XXXX. On XX/XX/XXXX I tried signing in and it told me Account locked. On XX/XX/XXXX I called them, they said they were unable to verify some information so they closed my account without notice. The information I provided them is all valid. They said it will take a long time to close the account, around the end of XXXX, and only then will they return the {$2000.00} I deposited. This is an unreasonable amount of time to close a bank 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 2025-01-13 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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:
comments to the company involved. 
I reviewed my consumer reports and noticed that I have XXXX late payment on an account XXXX XXXX XXXX XXXX XXXXXXXX that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account that I have included screenshots this complaint in on dates of XXXX and XXXX  please investigate and provide proof and statement showing that these payments were late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: NC

Complaint narrative:
comments to the company involved. 
I reviewed my consumer reports and noticed that I have XXXX late payment on an account XXXX XXXX XXXX XXXX XXXXXXXX that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account that I have included screenshots this complaint in on dates of XXXX and XXXX  please investigate and provide proof and statement showing that these payments were late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
reported information on my credit report that came from a creditor which I believe is illegal so I am requesting the items to be removed from 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 2025-01-13 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: NY

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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