vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I noticed the collection on my credit report so I reached out to IC systems and XXXX and neither one of them could provide me with any account info. I asked for the address of the service, the final bill, and service dates and they couldn't give me any of that info. I disputed it through XXXX XXXX and the dispute comes back as it's an accurate debt but they still haven't sent me any info showing the accuracy.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York, XXXX XXXX XXXX XX/XX/year> XXXX I'm in disagreement with the account listed ( Account : XXXX ) XXXX XXXX XXXX ) which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. In accordance with the Fair Credit Reporting Act, Public law 91-506, title VI, Section 611, please provide the names and the business address of each individual with whom you verified the account with and please follow up. Please send me an updated copy of my credit report after your 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 2025-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I am writing to file a formal complaint against XXXX regarding the illegal reporting of a charge-off, which is considered a certificate of indebtedness and therefore income under IRS Publication 4681. This erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974, causing significant financial and emotional distress. The charge-off, considered as income per IRS Publication 4681, should not be included in consumer reports, as explicitly mandated by federal regulations. However, XXXX has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. Despite my attempts to rectify this issue directly with XXXX by disputing the inaccurate information on my consumer report, the erroneous reporting persists. This continued misreporting has substantially hindered my ability to access credit and financial opportunities. Furthermore, XXXX 's actions violate several federal statutes, including : 1. Violation of FCRA Sections 1681 ( a ) and 1681 ( b ) : XXXX 's illegal reporting of inaccurate information without my explicit consent contradicts the FCRA, impairing the efficiency of the banking system and undermining public confidence essential to its functioning. 2. Violation of FCRA Section 6802 : XXXX reported information without my consent, breaching my opt-out rights and failing to disclose clearly and conspicuously that such information could be disclosed to third parties. This continuous inaccurate reporting has resulted in substantial financial damages and emotional stress. Moreover, it directly contravenes federal laws aimed at protecting consumer privacy and ensuring fair and accurate credit reporting. I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX for their egregious violations of federal statutes. Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotional distress caused by their actions. Enclosed are supporting documents detailing the inaccurate reporting and relevant federal statutes for your review and consideration. Thank you for your attention to this matter. I eagerly await your prompt response and resolution and demand under CFRA 605 ( b ) that this be removed within ( 4 ) days of delivery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have account reporting on my Equifax file that is inconsistent with the FCRA 15USC Code 1681. My data was exposed in the Equifax data breach. These accounts should not be listed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
We continue to get collection calls to, not only the supposed debtor, but family, husbands office, etc.,,. The debt was, supposedly, originally from HSBC whom we had settled a debt with years ago. We've presented proof that the debt had been settled. They contend that this is a separate line of credit and wasn't settled. Regardless, even if I did owe this debt, it is beyond the statute of limitations. They've continued to harrass with calls and threat of suits. My husband and I have told them not to call but they continue to harrass us along with our relatives and now calling my husbands office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX : XXXX, XXXX XX/XX/XXXX : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the consumer credit reporting agency,, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of person credit cards and other accounts. 
XXXX. XXXX XXXX XXXX acct # XXXX Date Opened XX/XX/XXXX XXXX. XXXX  XXXX acct # XXXX Date Opened XX/XX/XXXX XXXX. XXXX  XXXX acct # XXXX Date Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX acct # XX/XX/XXXX Date Opened XX/XX/XXXX XXXX. XXXX acct # XXXX Date Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX  acct # XXXX Date Opened XX/XX/XXXX XXXX. XXXX XXXX  acct # XXXX Date Opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries collections appearing on my consumer FICO credit report. I've attached a list of accounts in question the aforementioned accounts, collections appearing on my consumer credit report were not opened, made, or initiated by me. All of these are a result of fraud. I have attached a copy of the FTC identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection are the result of identity theft and fraud.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX, XXXX : XXXX, XXXX XX/XX/XXXX : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the consumer credit reporting agency,, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of person credit cards and other accounts. 
XXXX. XXXX XXXX XXXX acct # XXXX Date Opened XX/XX/XXXX XXXX. XXXX  XXXX acct # XXXX Date Opened XX/XX/XXXX XXXX. XXXX  XXXX acct # XXXX Date Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX acct # XX/XX/XXXX Date Opened XX/XX/XXXX XXXX. XXXX acct # XXXX Date Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX  acct # XXXX Date Opened XX/XX/XXXX XXXX. XXXX XXXX  acct # XXXX Date Opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries collections appearing on my consumer FICO credit report. I've attached a list of accounts in question the aforementioned accounts, collections appearing on my consumer credit report were not opened, made, or initiated by me. All of these are a result of fraud. I have attached a copy of the FTC identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection are the result of identity theft and fraud.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute an inaccuracy and unauthorized inquiry on my credit report. Upon reviewing my report, I found an inquiry on my Experian credit report in error. I request that the inquiry for XXXX XXXX XXXX XXXX dated - XX/XX/year>, be removed from my profile. I did not open account with XXXX XXXX on or around this time. Please remove this inquiry from my report immediately. 

Prior to reaching out in writing, I attempted to resolve this issue via phone. Unfortunately, my calls were consistently routed to representatives outside of the United States, who were unable to assist me effectively. Despite my efforts, I was not afforded a fair opportunity to resolve this matter. As a result, I am now seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure that my credit report is corrected. 

I would appreciate your prompt attention to this matter and request that you take immediate action to remove the disputed item 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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I never gave approval, nor have i gave oral nor written permission for anyone to do that.MY INFOMATION WAS EXPOSED IN A DATA BREACH, AND WREKED MY CREDIT REPORT .This issue Must be Resolved ASAP. pLEASE DO NOT MAKE THIS DISPUTE A THIRD DAY DISPUTE, UNDER SECTION 605B, MY REPORT MUST BE CORRECTED, TO ITS PROPER STANDINGS. I have countless inquiry 's of places i haven't even been in my life, but yet i have hard inquirys everywhere tradelines i never even seen before.i bank with only one company and thats XXXX XXXX, so any information.must be removed, according to section 605b consumer 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 explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 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 non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/year>, and XXXX XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy Here is the account l am asking you to verify as accurate : XXXX XXXX XXXXXXXX Account Num : XXXX XXXX  XXXX Account Num : XXXX Possible account num : XXXX XXXX Account Num : 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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : 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 non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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