vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using anEOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-02-20 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: IL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-02-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: EQUIFAX, INC.
State: GU

Complaint narrative:
Ive receive a response via mail from Equifax dated XX/XX/year>. 

The following response is : We are unable to locate a credit file in our database with the information I provided. In order to assist I must provide Name, current and former addresses, social security number and dat of birth. The following must be sent in : Pay stub W-2 SS Card Drivers license number Rental agreement Utility bill Equifax information services LLC XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: FL

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is purposely violating the law by reporting an account listed as XXXX  XXXX  XXXX / XXXX XXXX multiple times with the same exact information. This is an attempt to purposely lower my credit rating by falsifying records. Transunion is reporting late payments on this account from XXXX 2018 its no way this account is being reporting accurate because this payment history is different than the other account that has the same exact account number. Transunion has a duty to report accurate information. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

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 2025-02-20 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: TX

Complaint narrative:
My personal information was breached in the XXXX data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to the FCRA

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 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, I rented a car from XXXX under Rental Agreement No : XXXX. I returned the vehicle on XX/XX/year>, and the total charge for the rental amounted to {$170.00}. However, on XX/XX/year>, I noticed an unexpected charge of {$450.00} on my credit card from XXXX. Concerned about this discrepancy, I promptly contacted XXXX customer care to report what I believed to be an invalid transaction. After discussing the issue, they acknowledged the error and assured me that a refund would be processed to my credit card. 
Despite their assurances, I have yet to see the refund reflected on my account. I followed up and was informed by XXXX that they had issued the refund to Bank of America, my credit card provider. However, when I contacted Bank of America, they indicated that they had not received any refund from XXXX. 
For the past XXXX months, I have been in continuous communication with both XXXX at XXXX and Bank of America at XXXX, attempting to resolve this issue. Even after XXXX claimed to have processed the refund to Bank of America, my credit card statement still shows the charge of {$450.00} as unresolved. I am seeking clarity on this situation and hope to find a resolution soon. 

Bank Of America XXXX # XXXX ) XXXX Rental  Agreement No : XXXX XXXX Document : XXXX XXXX Case number 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 monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is reporting the same account now 3 times. Its has the exact same pay history as the other two. How can the same account be listed three times on my report. Transunion is doing this purposely to lower my credit score. Correct this by listing this account only once. You have a legal obligation to comply with the FCRA.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
on XX/XX/year> I reviewed my credit report and I noticed my credit report is inaccurate and violating multiple laws causing me and costing me a great deal of distress. The harrassing and abusive tactics by this XXXX debt collector company has lead me to not only file a complaint with you all but to the creditor ( XXXX XXXX XXXX ) seeking monetary relief for my consumer violations as well as the attorney general. 

Im sick of the lack of concern for consumer fairness and accurate investigations, below is a list of laws violated on my consumer report. 

15 US code 1692 j- furnishing a deceptive form, which they've sent me mutiple to my address to get me to think I am participating in the attempt of the alleged debt, when asked to produce the original document with my hand written signature they could not, that is a violation. 

15 US code 1681 e b - explains that a credit report is to be reported 100 % accurate when being reported by consumer reporting agencies 15 US code 1692- validation of debts to me means, debt collectors are to notify me of this in writing 14 days prior instead of XXXX days prior and I was not. I do not wish to validate this debt. 

15 us code 1602 p - unauthorized use of my information, I never gave consent for my information to be used which is fraud, also a violation plus medical information sold to a 3rd party is a HIPPA law violation.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
on XX/XX/year> I reviewed my credit report and I noticed my credit report is inaccurate and violating multiple laws causing me and costing me a great deal of distress. The harrassing and abusive tactics by this XXXX debt collector company has lead me to not only file a complaint with you all but to the creditor ( XXXX XXXX XXXX ) seeking monetary relief for my consumer violations as well as the attorney general. 

Im sick of the lack of concern for consumer fairness and accurate investigations, below is a list of laws violated on my consumer report. 

15 US code 1692 j- furnishing a deceptive form, which they've sent me mutiple to my address to get me to think I am participating in the attempt of the alleged debt, when asked to produce the original document with my hand written signature they could not, that is a violation. 

15 US code 1681 e b - explains that a credit report is to be reported 100 % accurate when being reported by consumer reporting agencies 15 US code 1692- validation of debts to me means, debt collectors are to notify me of this in writing 14 days prior instead of XXXX days prior and I was not. I do not wish to validate this debt. 

15 us code 1602 p - unauthorized use of my information, I never gave consent for my information to be used which is fraud, also a violation plus medical information sold to a 3rd party is a HIPPA law violation.

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 2025-02-20 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: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: WI

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS AND INQUIRIES PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear TransUnion Dispute Department , I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft resulting from the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Inquiries to Be Removed : XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX Supporting Documentation Enclosed : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the Equifax data breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect TransUnion to take immediate action to rectify the harm caused by this breach. 
I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect TransUnion to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC, ID, Proof of Address, SSC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: PA

Complaint narrative:
My sons medical bill went to collections even though he was fully covered under XXXX XXXX at date of service. I asked hospital to resubmit to insurance at time I received a bill. The hospital never contacted me or sent me another bill after so I thought issue was resolved. Now medical bill is in collections and on my credit report. XXXX XXXX never received a 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 non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
WHEN I DISPUTED INACCURATE INFORMATION ABOUT MY CREDIT TO THE CREDIT BUREAUS, THEY ALWAYS COME BACK WITH MY DISPUTE AS BEING VERIFIED AND UPDATED ... THEY NEVER FIX THE PROBLEM AND IT'S HINDERS ME FROM EXPLORING MY CREDIT OPTION FOR GETTING APPROVED FOR LOANS BECAUSE OF THE NEGITIVE INACCURATE INFORMATION THATS REPORTING ON MY CREDIT .... EXPERIAN AND TRANSUNION AND EQUIFAX DO NOT INVESTIGATE AND NOR DO THEY CARE ABOUT FIXING THE PROBLEM FOR THE CONSUMER.. ACCORDING TO THE FAIR CREDIT ACT.. 15 USC1692C I ALSO HAVE A HOSPITAL BILL THATS REPORTING ON MY CREDIT... IT IS ILLEGAL FOR CONSUMER REPORTING AGENCIES TO REPORT MEDICAL BILLS TO THE CREDIT BUREAUS ACCORDING TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) THE RULE WENT INTO EFFECT 60 DAYS AFTER PUBLICATION IN THE FEDERAL REGISTER ON 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 non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
WHEN I DISPUTED INACCURATE INFORMATION ABOUT MY CREDIT TO THE CREDIT BUREAUS, THEY ALWAYS COME BACK WITH MY DISPUTE AS BEING VERIFIED AND UPDATED ... THEY NEVER FIX THE PROBLEM AND IT'S HINDERS ME FROM EXPLORING MY CREDIT OPTION FOR GETTING APPROVED FOR LOANS BECAUSE OF THE NEGITIVE INACCURATE INFORMATION THATS REPORTING ON MY CREDIT .... EXPERIAN AND TRANSUNION AND EQUIFAX DO NOT INVESTIGATE AND NOR DO THEY CARE ABOUT FIXING THE PROBLEM FOR THE CONSUMER.. ACCORDING TO THE FAIR CREDIT ACT.. 15 USC1692C I ALSO HAVE A HOSPITAL BILL THATS REPORTING ON MY CREDIT... IT IS ILLEGAL FOR CONSUMER REPORTING AGENCIES TO REPORT MEDICAL BILLS TO THE CREDIT BUREAUS ACCORDING TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) THE RULE WENT INTO EFFECT 60 DAYS AFTER PUBLICATION IN THE FEDERAL REGISTER ON XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
Subject : Dispute of XXXX Entry on Credit Report Dear Sir/Madam , I am writing to dispute the XXXX listing on my credit report associated with the case number XXXX, filed in the XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX ). This entry has been verified but has not been properly substantiated with evidence as required by law. 

According to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that all information on my credit report is accurate and verifiable. Since this XXXX listing has been verified without providing me with sufficient documentation or evidence to confirm its validity, I request that it be immediately removed from my credit report. 

Please provide me with proof of the XXXX filing, including any official documents or verification that you relied upon to substantiate this entry. If you are unable to provide such proof, I expect this item to be removed from my credit report in compliance with the FCRA. 

I Also included XXXX different copies from XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX providing evidence they dont communicate with debt collectors or credit agencies verify information, so the information was not verified to me or our pursue legal action. 

I would appreciate your prompt attention to this matter and a timely resolution of this dispute. Please confirm in writing the actions you have taken within the legally required time frame. 

Thank you for your cooperation.

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