vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 a Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-02-26 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:
I have reviewed my credit report and noticed that an account is not being reported accurately. Specifically, multiple late payments have been reported on an account that I have consistently paid on time. Under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure that all information in my report is completely accurate. 

Additionally, I have noticed inconsistencies across the XXXX major credit bureau TransUnion, Equifax, and Experian where this account is being reported differently on each report. These discrepancies indicate that the consumer reporting agencies are not following reasonable procedures to ensure maximum possible accuracy, as required by law. 

To address this, I have attached a copy of my credit report to provide supporting documentation to show that the reported late payments on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX are incorrect. However, instead of correcting the errors, I have received only stall responses that fail to resolve the issue. The inaccurate reporting remains on my credit file, negatively affecting my credit standing. 

I request that the CFPB take immediate action to : Investigate the credit reporting agencies failure to follow reasonable procedures to ensure accuracy. 

Require TransUnion, Equifax, and Experian to correct the inaccuracies in my credit report. 
Ensure compliance with the Fair Credit Reporting Act to prevent further harm to consumers. 

This ongoing inaccuracy has caused financial harm, and I urge the CFPB to intervene to ensure that my consumer report reflects only verified, accurate information. I have attached my credit reports and supporting documentation to substantiate my claim.

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 2025-02-26 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: CA

Complaint narrative:
I am disputing unauthorized hard inquiries on my credit report. Under the FCRA ( 15 U.S.C. 1681b ), a creditor must have my written consent to access my report. The following inquiries were made without my authorization and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If these inquiries can not be verified within 30 days, they must be deleted per FCRA Section 611 ( 15 U.S.C. 1681i ). Please investigate and remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
I am disputing unauthorized hard inquiries on my credit report. Under the FCRA ( 15 U.S.C. 1681b ), a creditor must have my written consent to access my report. The following inquiries were made without my authorization and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If these inquiries can not be verified within 30 days, they must be deleted per FCRA Section 611 ( 15 U.S.C. 1681i ). Please investigate and remove them.

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 2025-02-26 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: MN

Complaint narrative:
I am writing to request an investigation of the following information that appears on my Credit report. I have NEVER opened or used the following accounts that are listed on my Federal trade report, I have attached a copy of my report to this 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 2025-02-26 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: MN

Complaint narrative:
I am writing to request an investigation of the following information that appears on my Credit report. I have NEVER opened or used the following accounts that are listed on my Federal trade report, I have attached a copy of my report to this file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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:
This morning, I was shocked to find an unauthorized inquiry on my credit report, and I have no idea how it got there. I check my report regularly, but this time, there was an issue out of nowhere. I even refreshed my browser, hoping it was a glitch, but the inquiry remained. This situation is extremely frustrating, and I demand that the documents Ive submitted be reviewed thoroughly so I can finally put this matter to rest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I received an AMEX gift card on XX/XX/year>. The website has instructions that the card can be used online or added to my XXXX XXXX to be used online. The website also said I could use my card physically in store. The website also explicitly says that if I type my name and address that I will be able to use the card but this is not true. On XX/XX/year> I attempted to add the card to my XXXX XXXX XXXX XXXX XXXX and the card would not connect. I attempted to connect it to XXXX or use it to purchase a money order to possibly send the balance to my bank account, this failed. On XX/XX/year> at XXXX I called AMEX gift card customer service and asked to verify the billing address for the card because it is virtually impossible to use otherwise. They said they could not connect a billing address to the card at all which is not which the instructions say. They said I would have to use the card online with sites that did not require a zip code or I could use it in person. I asked if I could receive a physical card to swipe for in store purchases. I was then told that they would not send a physical card and I could only use it physically if I was at a place that allowed me to type in my card number which I have never experienced. I have a balance of {$1500.00} that I received that is sitting on this gift card that is virtually impossible to use. On AMEXs website when you go to purchase a gift card it states, Widely accepted Accepted virtually everywhere American Express Cards are accepted in the XXXX and I was told I could use my own address but this is extremely untrue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-26 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: LA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am a victim of identity theft and I see inaccurate information on the consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: AZ

Complaint narrative:
I am submitting this formal dispute regarding inaccurate and/or unverifiable information appearing on my credit report, in violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ). 

The following accounts have violated my rights under 15 U.S.C. 1681 by failing to maintain the privacy, confidentiality, and accuracy of my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Balance : {$1600.00} ) Violations of the Fair Credit Reporting Act Failure to Ensure Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they include in a consumer report. The disputed accounts contain inaccuracies that violate this legal requirement.

Obligation to Delete or Modify Inaccurate Information According to 15 U.S.C. 1681i ( a ) ( 5 ), when a consumer disputes information and it is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must : Promptly delete or modify the disputed information in the consumers file.

Notify the furnisher of the modification or deletion.

Prohibition on Reporting Inaccurate Information Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), information furnishers are prohibited from reporting any information they know or have reasonable cause to believe is inaccurate. The continued reporting of these accounts despite their inaccuracy constitutes a clear violation of this law.

Unauthorized Disclosure of Consumer Information Per 15 U.S.C. 1681b ( a ) ( 1 ), my consumer report should only contain accurate and verifiable information. Since the disputed accounts fail to meet these legal standards, their inclusion is unlawful.

Requested Resolution In light of these violations, I formally request the following actions : Immediate deletion of the inaccurate and/or unverifiable information from my credit file.

Written confirmation of the actions taken as a result of this dispute.

Copies of any documentation used to verify the accuracy of these accounts.

Failure to comply with these legally mandated actions may result in further legal action, including formal complaints to the Federal Trade Commission ( FTC ) and potential civil litigation. I expect a response within the 30-day timeframe required by law. 

Thank you for your prompt attention to this matter. Please provide all correspondence in writing at the address provided above.

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 2025-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: GFS II, LLC
State: OH

Complaint narrative:
I had filed this car loan under bankruptcy and it was put back on my report. So thats improper reporting of a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: PA

Complaint narrative:
This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea why it's there. I routinely check my report, and this time, I noticed unexpected discrepancies. Hoping it was just a glitch, I refreshed my browser, but the unauthorized inquiry remained. This situation is incredibly frustrating, and I need this issue resolved immediately. Please review the documents Ive provided so I can finally put this behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: NY

Complaint narrative:
There are fraudulent accounts and transactions on my credit report that I did not authorize or benefit from in any way. Understanding the seriousness of this, I immediately filed a report with the Federal Trade Commission and took the necessary steps to dispute these items. However, despite my efforts, these unauthorized entries remain on my report, continuing to harm my financial standing. It is extremely frustrating to deal with the consequences of someone elses misuse of my personal information.

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 2025-02-26 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence. 

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: AZ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX  -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1000.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1100.00}

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 2025-02-26 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: VA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to formally complain about my recent car purchase from your dealership. On XX/XX/year>, I bought a XXXX XXXX that was advertised on XXXX website at a lower price than the final price I was charged. This discrepancy was due to misleading information about additional fees such as seaport fee, government fees, state fees, and sales tax. 

Furthermore, the car was supposed to have its interior and exterior damages fixed, but the repairs were only partially done. Despite car dealership assurances, I was pressured into signing the paperwork under false promises. The car was kept for two weeks by the dealership, and when it was finally delivered, it did not meet the promised warranty and condition. 

Over the next two months, due to my absence, I couldn't address these issues immediately. However, dealership continued to promise resolution, only to inform me later that no further action would be taken. I called several times to Capital One to cancel all transactions with the dealership they are ignoring me and supporting dealership which it seems to me they are cooperating and scamming customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: DC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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