vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: OH

Complaint narrative:
Subject : Third Complaint to CFBP : Experians Non-Compliance with Section 605C of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this third complaint regarding Experians repeated failure to comply with Section 605C of the Fair Credit Reporting Act ( FCRA ). Despite my multiple submissions of the required documentation as a victim of human trafficking, Experian continues to deny my request to block adverse information from my credit file.

Specifically, I have provided : A self-attestation letter signed by both myself and an authorized officer from an authorized agency.

A victim determination letter, also signed by myself and the authorized agency.

These documents have been submitted to Experian on three or four separate occasions. While both XXXX and XXXX accepted the same documentation and blocked the adverse information as required under Section 605C, Experian has refused to do so. This has caused significant inconsistencies across my credit reports and continues to harm my financial standing. 

Experian has repeatedly sent me identical, automated responses, despite my compliance with all legal requirements for exercising my rights under the FCRA. It appears there has been no meaningful human review of my case, yet the only denial reason they give is for me to submit a victim determination letter even though I have sent it to them on numerous occasions I respectfully request that the CFPB : 1. Investigate the methods and tools Experian is using to determine its denial of my request to block adverse information.

2. Require Experian to conduct a human review of my case, as their automated responses fail to address the merits of my documentation and circumstances.

3. Ensure Experian complies with its obligations under Section 605C of the FCRA, as both XXXX and XXXX have already done. 

As a victim of trafficking, I should not be subjected to this repeated and unjust denial of my rights, especially after providing all required documentation multiple times. I urge the CFPB to intervene and hold Experian accountable for its obligations under the law. 

Thank you for your prompt attention to 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 2025-01-14 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: AZ

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report, specifically regarding the account XXXX - XXXX as reported. This request is made in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information.

I recently reviewed my credit report and noticed inaccurate information related to this account. The inaccuracies include discrepancies in the account status, balance, and payment history. These errors are adversely affecting my credit report and financial standing. I request that you reinvestigate the completeness and accuracy of every piece of information related to this account. If any information is found to be inaccurate, I ask that it be promptly removed from my credit report. According to 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be deleted from my credit report. Additionally, under 15 U.S. Code 1681e ( b ), I ask that you ensure all procedures followed in including this information are reasonable and guarantee maximum accuracy. 

Please send me the results of your investigation and an updated credit report reflecting any changes via mail once it is complete. I appreciate your time and attention to this matter and look forward to your prompt response.

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 2025-01-14 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: AZ

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report, specifically regarding the account XXXX - XXXX as reported. This request is made in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information.

I recently reviewed my credit report and noticed inaccurate information related to this account. The inaccuracies include discrepancies in the account status, balance, and payment history. These errors are adversely affecting my credit report and financial standing. I request that you reinvestigate the completeness and accuracy of every piece of information related to this account. If any information is found to be inaccurate, I ask that it be promptly removed from my credit report. According to 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be deleted from my credit report. Additionally, under 15 U.S. Code 1681e ( b ), I ask that you ensure all procedures followed in including this information are reasonable and guarantee maximum accuracy. 

Please send me the results of your investigation and an updated credit report reflecting any changes via mail once it is complete. I appreciate your time and attention to this matter and look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: Westlake Services, LLC
State: GA

Complaint narrative:
My Wallet was stolen myself and my childrens social has been exposed there's a lot of credit inquiries on my report and not even sure about my childrens

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 2025-01-14 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: MD

Complaint narrative:
I told XXXX XXXX  that I needed a 1099 C so I could get this off my credit report and it was not sent. I also informed them that the amount on my credit report is incorrect if it was written as a charge off which I have proven documentation.

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 2025-01-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-01-14 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: MD

Complaint narrative:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: VA

Complaint narrative:
US Bank closed bank acount without notice. I had a balance of {$800.00} plus. I was told a check would be mailed to me with the balance. Its been nearly a month since the correspondence and account closure. Still nor check or resolution.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
hello, I'm reporting on my American Express accounts. Historically I've only have had XXXX American Express accounts ( a XXXX, XXXX and XXXX accounts ( their coloring system ). 
in recent years I've had to go into defaulting on my credit cards, all of them in my history. 
I've been trying to pay back on my accounts this past year or so with the help from the website called National Debt Relief ( NDR ). So as they were looking into collecting my accounts so they can start negotiating with my creditors, they said that they were showing 4 American Accounts. And I told them that that was incorrect, I only had 3 accounts with American Express. 
So they only kept 3 accounts and worked on them.

But about a year later, American express started legal action on me on my American accounts but I thought I was protected by NDR. After a lot of back and forth I figured out that the 4th account was the one they put legal action on. And what I had figured out this past XXXX is that American Express DUPLICATED one of my 3 Amex accounts and that was why it was showing as a fourth account in credit history. 
So this concerns American Express account ending in XXXX at about {$11000.00}. so I don't remember the 4 account ( duplicated account ) account number but it will show the about same dollar amount, close to the $ XXXX. my other American accounts are {$7400.00} and {$5500.00} and those are valid and NDR are working on them with me. 
Please let me know if this makes sense. if not, please give a reach out to me ( email is best, since I don't like to answer unknown number till I have you in my contact list ) at email of XXXX but if you do have only phone contact initially, my cell is XXXX but please do your best to leave a message so I can return the phone call. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Poster in my report XX/XX/year> taken out by fraud I have no knowledge of this account and have supplied bounce AI with sufficient evidence of this. They have concluded their investigation and have agreed to delete this from all three credit bureaus. Please see attached email confirmation. Please delete this misinformation immediatly.

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 2025-01-14 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-14 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XXXX and XX/XX/XXXX, there were late remarks placed on my credit report and again from XXXX of XXXX. I would like for these remarks to be removed from my report as I am making my payments on the loan. During the time of these remarks I was XX/XX/XXXX due to my job cutting back hours. These remarks are preventing me from qualifying for other things I need to use my credit for. I am a full-time collegeXX/XX/XXXXand working my hardest to pay off my debt. Before I was told that you are unable to remove accurate remarks but based on research and after speaking with the credit bureaus, the company is more than able to remove these remarks 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The repeated inaccuracies on my report are incredibly disheartening. Theyve caused my score to drop and limited the options I have moving forward. Ive worked hard to maintain a good standing, and its disappointing to see errorsbeyond my controlnegatively affect me.

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 2025-01-14 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: Kriya Capital, LLC
State: TX

Complaint narrative:
Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) Credence Resource Management ( {$1000.00} Collections ) has unlawfully and illegally reporting derogatory information on my credit report without proper authorization. I have repeatedly informed this company that information was compromised due to XXXX XXXX XXXX. This is not a credit transaction initiated by me. Additionally, I will be filing Federal complaints against Credence Resource Management for these unlawful practices because my consumer rights have been violated. I have not authorized them to report any information about me, and their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting such information. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter thoroughly and ensure that this derogatory information is removed from my credit report immediately. Credence Resource Management failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. 
This failure to provide adequate proof of the alleged debt is a violation of my rights under federal law. I requested for Credence Resource Management to provide verifiable proof of this debt and clarification of how the alleged collections was verified, I have not received anything. This raise concerns about their compliance with legal requirements. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me. Their actions are in violation of the FCRAs requirement for a permissible purpose in reporting credit information. Again, I will be filing complaints at federal levels to address these violations and then seeking a lawyer. I have given Credence Resource Management a fair opportunity to clear this up, however I am still being harassed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have an account with TD bank ( one of 3 ) that I have never used. I opened it initially to keep my business income separate from personal, but never used it. TD keeps charging fees to keep it open, and it went into the negative. I have tried repeatedly to close it online but am not able to, said I had to call them. Have tried 4 times to close it over the phone with them, even twice when the balance was zero. 

It remains open, and they keep charging fees. In the meantime, they have been calling and harassing me multiple times per day since around XXXX. It's like owing money to the mob. 

They ADMITTED to having on file a Cease and Desist dated around XX/XX/XXXX yet they continued calling multiple times per day since then. Now they want to throw another of my accounts into the negative, doing what the call an " offset '' to pay the balance on the other account. 
In an attempt to evade the FDCPA, AFTER I told them to stop calling me in XXXX, they stopped calling from that number and began calling from a different number, as my call records will show. In my mind, this appears as a clear and deliberate attempt to circumvent the law. 

They have violated the FDCPA in multiple ways : *Repeated calls in the same day. 
*Multiple calls in the same week, more than allowed. 
*Calling me less than 7 days after speaking to me about the debt, and finally, *continuing to call and harass me, despite a cease and desist notice being on file with them since XXXX of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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:
XXXX XXXX XXXX XXXX XX/XX/year> {$2300.00} I recently pulled my credit report and noticed this collection account negatively reporting on my credit report. I went online and did some research. The credit report agencies are violating my rights. Under 15 U.S. Code 1692 ( g ) and 15 U.S. Code 1692 ( c ) I failed a complaint with a Better Business Bureau. I sent off numerous certified letters and still no response or action taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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:
XXXX XXXX XXXX XXXX XX/XX/year> {$2300.00} I recently pulled my credit report and noticed this collection account negatively reporting on my credit report. I went online and did some research. The credit report agencies are violating my rights. Under 15 U.S. Code 1692 ( g ) and 15 U.S. Code 1692 ( c ) I failed a complaint with a Better Business Bureau. I sent off numerous certified letters and still no response or action taken.

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 2025-01-14 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: TX

Complaint narrative:
UNAUTHORIZED INQUIRIES XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XXXX - XX/XX/XXXX EQUIFAX MORTGAGE SERVICES- XX/XX/XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXXXX/XX/XXXX- XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX VIA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BUSINESS VIA BUSINESS CREDIT REPORTS- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXL XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: SC

Complaint narrative:
I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> them most recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

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