vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: GA

Complaint narrative:
I am writing to file a dispute regarding a creditor and credit reporting agencies that have broken consumer laws by reporting numerous inaccurate accounts on my consumer report. I am seeking your assistance in holding these companies accountable for their actions and correcting the inaccurate information on my consumer report. 

The inquiries I am referring to, for which I did not give written permission, are as follows XXXX XXXX XXXX XXXXXX/XX/year>2024 XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XXXXXX/XX/year>2024 XXXX XXXX XXXXXX/XX/year>2024 XXXX XXXX XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XXXX XXXXXX/XX/year>2024 XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX XXXXXX/XX/year>2024 XXXX XXXX XXXXXX/XX/year>2024 XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XXXXXX/XX/scrub>/2024 I have already put both the credit reporting agencies and the furnishers on notice regarding the inaccuracies on my consumer report. Despite this, no action has been taken to correct these errors, which continue to cause me extreme harm. The inaccuracies on my consumer report have prevented me from obtaining credit, employment, and other opportunities that require a clean credit history. 

I am requesting that your agency investigates this matter and takes the necessary steps to ensure that these companies are held accountable for their actions. I am also requesting that the inaccurate inquiries on my consumer report be removed and corrected immediately. I have also attached the FTC report as well. I believe that your agency has the power to protect consumers like myself, and I hope that you will take this complaint seriously. 

Thank you for your attention to this matter. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
XX/XX/XXXX 2024 /XX/XX/XXXX 2024 /

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 2025-02-07 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: NJ

Complaint narrative:
XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
Western Shamrock aka Western Finance on XXXX XXXX in XXXX XXXX via XXXX XXXX XXXX XXXX me Certify USPS letter with wrong city n incorrect street name to my home. Letter has red stamp REPO on it for a Store Loan/line credit i have XXXX XXXX  name brand XXXX Party XXXX XXXX XXXX this local store sells. The Managers XXXX XXXX XXXX for XXXX  years XXXX have attacked/Falsely Repossed Merchandise bought at their store from Many Elderly, XXXX XXXX XXXX Military Veterans. They can't REP any items. Items bought with in house store cash loan. The loan does not contain itemized payoff records no matter how many items you buy. Its an open running line of store credit. Not a Per physical item financed individual contract. This is illegal.plus i made payment via My XXXX XXXX XXXXXXXX checking account XX/XX/year>. They are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CA

Complaint narrative:
company JEFFERSON CAPITAL SYSTEMS LLC has been harassing me for the past 2 years with phone calls and letters in the mail about 2 different accounts said owed. and now they are suing me without properly serving me as a scare tactic. I've asked for full proof of validation of the amount owed. asking for account numbers dates and names and addresses and reason for the money owed and they have failed to provide that to me.

amount supposed claimed owed is {$8500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: MI

Complaint narrative:
I am writing to formally dispute the following collection account that appears on my Transunionn credit report : Creditor : XXXX XXXX Account Number : XXXX Amount : {$1100.00} Basis of My Dispute : Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), I am requesting that Transunion investigate this account for accuracy, completeness, and verifiability. If this account can not be fully verified with documented evidence from the original creditor, it must be deleted from my credit report immediately. 

Additionally, I am invoking my consumer rights under FCRA 15 U.S. Code 1681b and 15 U.S. Code 1681s-2 ( b ), which require : Proper Investigation : The credit bureau must conduct a reasonable investigation and provide evidence that the debt is accurate, complete, and lawfully reported. 

Verification of the Debt : The furnisher ( XXXX XXXX ) must provide original documentation proving that this account belongs to me and is legally valid. 
Removal of Unverified Information : If Transunion can not verify the accuracy of this account within XXXX  days, it must be permanently removed from my credit file as required under FCRA law. 

My Legal Rights Under the FCRA & FDCPA : 15 U.S. Code 1681e ( b ) Credit bureaus must maintain maximum possible accuracy in reporting consumer data. If any inaccuracies exist, the account must be removed. 
15 U.S. Code 1681i If an account is disputed, the bureau must investigate and either verify it or delete it. 

15 U.S. Code 1681s-2 ( b ) The furnisher ( XXXX XXXX ) must provide full validation or request Transunion to remove the account. 
15 U.S. Code 1692g A debt collector must provide proper validation, including a signed contract, itemized statements, and proof of ownership. 

Demand for Deletion : If XXXX XXXX fails to provide verifiable proof that this debt is mineincluding a wet-ink signature contract, itemized billing statements, and a breakdown of all chargesI demand that this account be deleted from my Transunion credit report immediately under the FCRA and FDCPA regulations. 


Please conduct a full investigation and provide documentation verifying this account within XXXX  days. 
If you can not verify the debt, remove this account immediately. 
Provide me with a written confirmation of the deletion upon completion of your investigation. 


Failure to comply with the FCRA and FDCPA will result in formal legal action and complaints being filed with the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
This letter serves as formal notice of my dispute. I expect your prompt compliance with 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 2025-02-06 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: CO

Complaint narrative:
I am filing a complaint against Experian, Equifax and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian, Equifax and TransUnion consistently responds within 72 hours stating that 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, Equifax and TransUnion 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian, Equifax and TransUnion 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Steel Lending Group LLC
State: OR

Complaint narrative:
The car company sold me a card that wasn't working right and they didn't let me know so I returned the vehicle because the transmission was going out I returned the vehicle to the company and I called the lender and let them know but the lender still have all had all my information on credit on their credit information and when I called the lender my name wasn't even in the system when I returned the car so that's fraud and I want it off they I want it off my credit. They didn't give me back my car that I trade into.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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 2025-02-06 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 silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention a matter of great concern related to the recent data breach involving XXXX, in which my personal information was compromised. As a consumer, I am deeply unsettled by this incident and am reaching out to request that my full credit report be cleared to mitigate any potential damage that may arise from this breach.

As you may be aware, the XXXX data breach has affected countless individuals, including myself. I have received notifications indicating that my sensitive information, including my Social Security number, date of birth, and financial account details, may have been exposed. This breach raises significant concerns about identity theft and unauthorized access to my credit profile, which could have serious repercussions on my financial wellbeing.

Given the magnitude of this breach, I believe it is essential to take proactive measures to protect my credit and financial health. Therefore, I kindly request that my full credit report be cleared. This action would help safeguard my information from potential misuse and provide me with the peace of mind that my financial identity is secure.

I appreciate the work that the Consumer Financial Protection Bureau does to protect consumers like myself, and I trust that you will treat this request with the urgency and seriousness it deserves. If you require any further information or documentation from my end, please do not hesitate to contact me at the provided phone number or email address.

Thank you for your attention to this matter. I look forward to your prompt response regarding my request.

Sincerely, XXXX 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 2025-02-06 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
There was significant fraud on my account which was repeatedly being denied by TD Bank, making me responsible for the fraud totaling {$2600.00}, even after I submitted countless documents to support my claim. I reported this incident to CFPB which led to my bank account being frozen and closed. There was a negative balance of XXXX in my checking account. My student loans, totaling {$5000.00}, that I received from the government to pay college tuition and board fees remained in my savings account and TD bank took that money to alleviate the balance that was initiated by the fraudster. This is unacceptable and a violation of my student loans funds. That money was supposed to go towards my education and TD Bank is making me pay for the crime of another person. I need that money back immediately, otherwise I will be homeless and starving. I dont have any more money left. XXXX, another bank that I have a relationship with, was able to verify fraud and get my funds back. TD bank has refused to assist me in this dire situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-06 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: CO

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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 2025-02-06 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:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED SOME FRADULENT ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED SOME FRADULENT ACCOUNTS

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 2025-02-07 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 errors on my report are not only frustrating but completely unacceptable. My score is being unfairly damaged, and I am being deprived of opportunities I rightfully deserve. It should not be this difficult to ensure accuracy on something as important as a 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 non-monetary relief
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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