vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-01-10 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: IN

Complaint narrative:
As a victim of identity theft and fraud, I'm filing this complaint with the CFPB to request that you, XXXX credit reporting agency, promptly block the inaccurate and fraudulent information on my credit report within 4 business days, as per FCRA 605B ( 15 U.S.C. 1681c-2 ). 
The fraudulent information includes an account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 fraudulent accounts have resulted in several hard inquiries and collections appearing on my FICO credit report, severely damaging my creditworthiness. As the victim of this identity theft, I request that you take immediate action to remove this false information and protect my financial well-being. 
Your credit report maintained by you shows fraudulent items that I do not recognize. The accounts, collections, and hard inquiries listed on my credit report were not opened, made, or initiated by me. All of these are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXXas proof from the US Federal Trade Commission that these credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: LA

Complaint narrative:
I received a letter in the mail stating that a company system had been hacked and my information was stolen. I decided to do a credit report on myself and I noticed a few inquiries on my credit report that I did not authorize. I have filed an identity theft 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 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 non-monetary relief
Consumer complaint received 2025-01-10 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: LA

Complaint narrative:
I received a letter in the mail stating that a company system had been hacked and my information was stolen. I decided to do a credit report on myself and I noticed a few inquiries on my credit report that I did not authorize. I have filed an identity theft 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I looked at my report on XX/XX/year> and noticed some things are incomplete and not accurate.And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because ( XXXX XXXX  ) open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

( XXXX ) open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

( XXXX  ) open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

( XXXX XXXX ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX XXXX open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX  ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX  ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX  ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX XXXX ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 


Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S code 1681 E ( B ) accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S code 1681 I ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate incomplete or can not be verified, the consumer reporting agency shall - ( I ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation, and ( II ) promptly notify the furniture of that information that the information has been deleted from the file of the consumer

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Disputing accounts I have no knowledge of. Disputed on all credit accounts and sent mail. Collections of {$1900.00} and {$500.00}

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian leak my social security numbers how can I get these things of my credit report and possible sue

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 2025-01-10 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: WA

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 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 2025-01-10 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: MA

Complaint narrative:
Recently, while reviewing my credit report, I discovered several fraudulent accounts that were opened and used without my consent. These accounts are severely damaging my credit history and negatively impacting my ability to obtain fair credit. Under consumer protection laws, I have the right to have this information corrected and ensure my rights are protected. The applicable laws include : 15 USC 1681i : This law grants me the right to dispute inaccurate or fraudulent information on my credit report and requires credit reporting agencies to conduct a reasonable investigation and correct errors promptly. 15 USC 1681s-2 : This law outlines the responsibilities of information providers to ensure the accuracy
of the information they report to credit bureaus and prohibits reporting fraudulent or incorrect data.

15 USC 1666b : This law provides protections for consumers against unauthorized charges or billing errors, requiring prompt correction of such issues.

15 USC 1681c-2 : This law allows consumers to request a block on fraudulent information resulting from identity theft to ensure it is removed from their credit reports.

Identity Theft and Assumption Deterrence Act ( 18 USC 1028A ) : This law criminalizes the unauthorized use of personal information and provides penalties for identity theft, reinforcing the need to address fraud promptly.

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 2025-01-10 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: MA

Complaint narrative:
Recently, while reviewing my credit report, I discovered several fraudulent accounts that were opened and used without my consent. These accounts are severely damaging my credit history and negatively impacting my ability to obtain fair credit. Under consumer protection laws, I have the right to have this information corrected and ensure my rights are protected. The applicable laws include : 15 USC 1681i : This law grants me the right to dispute inaccurate or fraudulent information on my credit report and requires credit reporting agencies to conduct a reasonable investigation and correct errors promptly.

15 USC 1681s-2 : This law outlines the responsibilities of information providers to ensure the ac
curacy of the information they report to credit bureaus and prohibits reporting fraudulent or incorrect data.

15 USC 1666b : This law provides protections for consumers against unauthorized charges or billing errors, requiring prompt correction of such issues.

15 USC 1681c-2 : This law allows consumers to request a block on fraudulent information resulting from identity theft to ensure it is removed from their credit reports.

Identity Theft and Assumption Deterrence Act ( 18 USC 1028A ) : This law criminalizes the unauthorized use of personal information and provides penalties for identity theft, reinforcing the need to address fraud promptly.

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 2025-01-10 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Bank : Wells Fargo Bank savings account. 
We have few unauthorized transfer funds from our saving account thru ACH. 
XXXX - {$2500.00} to XXXX XXXX XXXX XXXX - {$2000.00} to XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} to XXXX XXXX XXXX XXXX XXXX - {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$100.00} to XXXX XXXX XXXX XXXX XXXX I called Wells Fargo on XX/XX/year> to notify them about the unauthorized transactions to dispute , however, they only credited me {$2000.00} and {$2500.00} and not others. Reason, I did not notify them on time. The bank supposed to safe keep my saving, not that I have to check so often. Plus, they did not notify me if there is any suspicious activity. 

Wells Fargo rep told me to call those businesses to dispute the funds, but I don't know them, and I didn't initiate the transaction. So, I declined to do that. 

I do not have paper check The atm card is on me all the time. The only place I used the atm card is at the bank branch. 
I don't log into my account anywhere other than my personal computer and my phone. 
So, the only I can think of if someone from the bank did this.

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 2025-01-10 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: MO

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Larry H. Miller Group of Companies
State: OH

Complaint narrative:
The debt is written off {$13000.00} the payment history is Incorrect. The volunteer repossession occurred XX/XX/year> they are reporting it for XX/XX/year> I have made recent payments in XXXX and XX/XX/year> that has not been reported to the credit bureaus lastly the overall balance is incorrect this company is attempting to collect {$6000.00} on a {$3000.00} debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
I have disputed with Experian on numerous occasions that they are reporting incorrect information. There are XXXX accounts that are listed as " account charged off '' " profit and loss write off '' and or " written off '' to which they are required to show a {$0.00} balance. A charge-off indicates that the creditor has written off the debt as uncollectible. While the debt may still legally exist, the creditors report of both a charge-off and a balance violate 15 U.S.C. 1681e ( b ) ( reasonable procedures to ensure accuracy ) and 15 U.S.C. 1681s-2 ( a ) ( prohibition of furnishing inaccurate or incomplete information ). 15 U.S.C. 1681e ( b ) : requires credit bureaus to maintain procedures for maximum accuracy. When an account is charged off, the creditor has written it off as a loss and should not reflect a collectible balance. While the creditor may still sell or assign the debt to a third party ( e.g., a collection agency ), the original creditor can not continue to report a balance on the charged-off account. If both a balance and a charge-off are reported : 1. It creates an inaccurate portrayal of your financial obligation.

2. It could mislead potential creditors, violating the FCRA 's provisions for accuracy.

As Experian is inaccurately reporting a balance and I have disputed these accounts at least 4 times in the last 12 months as being inaccurate, and they have still kept the account on my credit report without changing the balance to {$0.00} as required by the FCRA, they are required by law to remove these accounts as they are violating 15 U.S.C. 1681s-2 ( a )

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 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarMax, Inc.
State: FL

Complaint narrative:
Dispute of an Auto loan Account number : XXXX Dear Sir/Madam, I am writing to formally dispute an entry on my credit report regarding an auto loan account with CarMax, which is listed as a closed account with a balance of {$3800.00}. The vehicle associated with this loan has been repossessed, but I am requesting that this account be removed from my credit report entirely. 

While I acknowledge the account was closed and the vehicle was repossessed due to non-payment, I believe that the continued presence of this entry on my credit report is severely impacting my ability to rebuild my credit. As such, I am respectfully requesting that this account be removed from my credit history, even though the loan balance is still owed. 

I am aware of the financial obligations associated with this loan, but I ask that the account be deleted from my credit report in consideration of my efforts to improve my financial standing moving forward. I would appreciate your understanding and cooperation in removing this account as a goodwill gesture, as it is severely hindering my credit score and future financial opportunities. 

Please review the information and consider my request. If there is any additional information I can provide to assist with the resolution, please do not hesitate to contact me. I look forward to your timely response. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: IN

Complaint narrative:
I am reporting this claim on behalf of my account and information being hacked and stolen I aim not aware of the debt thats trying to be collected nor am I responsible for it I would like for this debt to be removed from my credit report I do not give consent for this debt to be reported on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: 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. 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
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
Re : Description of Procedures to Validate Reported Item After reviewing my credit report file with Experian, I disputed the following line item associated with XXXX. XXXX XXXX on XX/XX/scrub> 2025. Experian completed their investigation on XX/XX/year>2025. I am requesting a description of the procedures used to determine the accuracy and completeness of the disputed information. 

I am requesting the following : XXXX. Full payment history details from the original creditor XXXX. Date of last payment XXXX. Date of delinquency XXXX. The original signature that I agreed to on the contract for this creditor XXXX. Has there been any insurance claim found on this debt? 
XXXX. Provide the chain of assignment contract Who did Experian interview regarding this account? 
How did they come to this determination? 

Since XXXX. XXXX XXXX can not provide the chain of assignment contract, I respectfully request this item be deleted from my consumer file as it is a misrepresentation of my financial obligations and such reporting impacts opportunities for new purchases, suitable housing, etc. Furthermore, self-initiated research revealed XXXX. XXXX XXXX is not authorized to collect for my state. 

Experian has demonstrated a history of " sham investigations '' as it appears to be the case with this matter. As a data & information broker, it is their fiduciary responsibility to ensure the integrity of data reported is correct, fair and complete.

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