vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: IL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/year>

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 2025-03-20 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: NV

Complaint narrative:
TransUnion has unauthorized inquiries on my credit report and These inquiries were made without my express authorization, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which governs access to consumer credit reports.

FCRA VIOLATION UNAUTHORIZED INQUIRIES Pursuant to FCRA 1681b ( c ) ( 1 ) ( B ) ( iii ), a credit inquiry is only permissible if I have initiated a transaction or established a verifiable relationship with the inquiring party. I have not applied for credit, nor have I granted permission to any entity to access my credit report for the inquiries listed below. Moreover, these inquiries are not linked to any existing or active accounts, meaning they serve no legitimate business purpose and were conducted without my consent. 

DEMAND FOR REMOVAL OF UNAUTHORIZED HARD INQUIRIES I am formally demanding the immediate deletion of the following unauthorized inquiries from my TransUnion credit file : XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX TBOM/ASPIRE - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX IMMEDIATE ACTION REQUIRED UNDER FCRA 605B Since these inquiries were unauthorized and potentially fraudulent, I am exercising my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates that fraudulent information must be blocked from my credit file upon request. The law clearly states that credit bureaus must remove fraudulent information within four ( 4 ) business days after receiving appropriate proof.

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 2025-03-20 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-20 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting and Notice of Civil Liability Under 15 U.S. Code 1681o I am writing to formally dispute inaccurate information on my credit report that your company has either reported or failed to correct. Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to ensure the accuracy of the information you provide or maintain. However, your negligence in this matter has caused harm to my creditworthiness and financial standing. 

Violation of 15 U.S. Code 1681o Your failure to comply with the requirements of the FCRA constitutes negligent noncompliance under 15 U.S. Code 1681o, which states : Any person who is negligent in failing to comply with any requirement imposed under this subchapter 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. 

I have made prior attempts to resolve this matter and have given your company reasonable time to correct the inaccuracy. However, your continued failure to comply with FCRA requirements demonstrates negligence, causing damage to my financial reputation. 

Requested Action : 1. Immediate correction of the inaccurate information in my credit file.

2. A written response confirming the correction and compliance with the FCRA.

3. If you fail to act within [ 30 days ], I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. Additionally, I will explore legal action to recover damages under 15 U.S. Code 1681o, including attorneys fees and costs. 

I expect your prompt attention to this matter and a response no later than [ 30 days from the date of this letter ]. Failure to comply will result in further legal action. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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:
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 2025-03-20 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting and Notice of Civil Liability Under 15 U.S. Code 1681o I am writing to formally dispute inaccurate information on my credit report that your company has either reported or failed to correct. Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to ensure the accuracy of the information you provide or maintain. However, your negligence in this matter has caused harm to my creditworthiness and financial standing. 

Violation of 15 U.S. Code 1681o Your failure to comply with the requirements of the FCRA constitutes negligent noncompliance under 15 U.S. Code 1681o, which states : Any person who is negligent in failing to comply with any requirement imposed under this subchapter 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. 

I have made prior attempts to resolve this matter and have given your company reasonable time to correct the inaccuracy. However, your continued failure to comply with FCRA requirements demonstrates negligence, causing damage to my financial reputation. 

Requested Action : 1. Immediate correction of the inaccurate information in my credit file. 
2. A written response confirming the correction and compliance with the FCRA.

3. If you fail to act within [ 30 days ], I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. Additionally, I will explore legal action to recover damages under 15 U.S. Code 1681o, including attorneys fees and costs. 

I expect your prompt attention to this matter and a response no later than [ 30 days from the date of this letter ]. Failure to comply will result in further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: Westlake Services, LLC
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I payed for a gym membership to hold it. A contract was supposed to be emailed to both myself and my husband to sign. No contract was signed, no email was sent. I received notice from my landlord that lease was not being renewed. Within two weeks of signing the contract we contacted the gym, who told us the XXXX  would have to call us back, but they see no issue with the refund. Attempted 3 times to go by gym, XXXX never there, and XXXX never called back Complained to Chase who informed us there was no reason for dispute. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NC

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} SCC XXXX Balance : {$8800.00} XXXX XXXX Balance : {$220.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$3300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX FXXXX 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 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
Consumer complaint received 2025-03-20 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:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} SCC XXXX Balance : {$8800.00} XXXX XXXX Balance : {$220.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$3300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX FXXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: FlexShopper, Inc
State: NY

Complaint narrative:
Hello this is my second complaint because flexshopper did not do its due diligence in investigating my concern. 

Please run the username and IP address for these inquiries. 

XXXX XXXX XXXX who you are credentialed through to obtain help with this if you need it. 

I did not apply for credit excessively. I have had a flexshopper accounts but I did not apply for credit on these days. I confirmed with XXXX XXXX that these were independent runs ; not automatic runs by flexshopper. 

I would not apply for credit XXXX times in XXXX day. Back on XX/XX/year> my XXXX XXXX report was run XXXX times. Plus many additional dates. Please review all my searches to find which ones were to obtain credit and which ones were done illegally. I expect a response for each run that Flex Shopper made on XXXX XXXX. Each time my report was pulled please substantiate with timestamp documentation and all the credit denial letters as well - for each XXXX XXXX search. 

Please look at all XXXX XXXX searches to see if the same user is running them and do a complete investigation. 

To use the XXXX XXXX tool outside of the purpose you are credentialed through them to use it is illegal. 

No criminal would continue to apply for credit when they were denied the first time. Doesnt make sense. 

XXXX XXXX provides all personal information about the person : relatives, neighbors, assets, etc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
I am writing to seek your assistance in resolving an issue on my credit report. Recently, an item from " XXXX XXXX XXXX '' was deleted from my credit report, as indicated in the attached document. However, despite the deletion of this item, derogatory marks associated with it still remain on my report, negatively affecting my credit score. 

The report number for this update is XXXX, and the date generated is XX/XX/year>. A copy of the relevant section of my credit report is attached for your reference. 

I kindly request that the CFPB investigate this matter to ensure that all derogatory marks related to the deleted item are completely removed. I believe the retention of these marks is an oversight and would appreciate your help in rectifying it promptly. 

Thank you for your time and attention to this matter. I look forward to your response and the resolution of this issue. 

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 2025-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to seek your assistance in resolving an issue on my credit report. Recently, an item from " XXXX XXXX XXXX '' was deleted from my credit report, as indicated in the attached document. However, despite the deletion of this item, derogatory marks associated with it still remain on my report, negatively affecting my credit score. 

The report number for this update is XXXX, and the date generated is XX/XX/year>. A copy of the relevant section of my credit report is attached for your reference. 

I kindly request that the CFPB investigate this matter to ensure that all derogatory marks related to the deleted item are completely removed. I believe the retention of these marks is an oversight and would appreciate your help in rectifying it promptly. 

Thank you for your time and attention to this matter. I look forward to your response and the resolution of this issue. 

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 non-monetary relief
Consumer complaint received 2025-03-20 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: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NJ

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 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 2025-03-20 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: NJ

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 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