vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 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: AZ

Complaint narrative:
I am filing a complaint against the consumer reporting agencies XXXX and TransUnion for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 concerning permissible purposes for credit inquiries, as well as 17 CFR 424 related to promotional inquiries. I believe that XXXX, and TransUnion have allowed promotional inquiries to be made on my credit file without my consent and in violation of the FCRA. Promotional inquiries refer to credit inquiries made by lenders or marketers to offer pre-approved credit or other services to consumers. These inquiries are only permissible under certain conditions, and I do not recall authorizing such inquiries. FCRA Section 1681b specifies that a consumer reporting agency may only disclose consumer information to a third party for specific permissible purposes. Promotional inquiries, which are often used by marketers, do not constitute a permissible purpose unless the consumer has opted in or authorized such use. 17 CFR 424 further provides that promotional inquiries may only be made if the consumer has consented or if the inquiry falls within a category of permissible purposes, such as a credit transaction or the evaluation of an offer for credit based on the consumer 's prior consent or participation.

All included companies have also violated my rights pursuant to the Privacy Act of 1974 ( 5 U.S.C. 552a ) which ensures that personal information is only used and disclosed for purposes that are authorized by law. The Privacy Act prohibits the disclosure of personal information without the consent of the individual, except under specific conditions.

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 2025-01-01 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: AZ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 : An account opened at XXXX XXXX  on XX/XX/XXXX, A credit card account opened with XXXX XXXX  opened in XXXX of XXXX, An account opened with XXXX XXXX XXXX XXXX in XXXX of XXXX And an account under XXXX XXXX XXXX  opened on XX/XX/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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: WI

Complaint narrative:
I received a letter from Mohela ( XX/XX/year> ) stating that my loans were put into forbearance and that no interest would accrue. Then I received another letter ( XX/XX/year>XXXX  ) stating that interest accrues on my loan while in forbearance. My loans in my account show interest has accrued, yet they also show 0 % interest rate. " Loan 1 '' ( my label shown on screenshot of account ) has unpaid interest of {$100.00} and " loan 2 '' has unpaid interest of {$45.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX CHARGED OFF MY ACCOUNT AND SOLD IT TO A COLLECTION COMPANY, CAINE & WEINER, THEY REPORTED TO MY CREDIT REPORT THAT I OWE THEM MONEY. I DONOT HAVE ANY DEALINGS WITH CAINE & WEINER. IN THE LETTER THEY STATED THAT MY ACCOUNT QUALIFIES FOR CREDIT REPORT DATA FURNING BY CAIN & WEINER. WE FURNISH INFORMATION TO XXXX, XXXX AND XXXX. THIS IS ATTEMPT TO COLLECT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 
CAINE & WEINER XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. # XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. 
# XXXX XXXX XXXX.I HAVE THE PAPER THAT CAINE & WEINER SENT ME. 
THANK YOU XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: Eastern Account Systems of Connecticut, Inc.
State: SC

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my credit report. Specifically : Incorrect Address : My current address is listed incorrectly. Please update my address to reflect the correct information, as detailed above. 

Fraudulent Accounts : The following accounts are fraudulent and were not authorized by me : Eastern Account System Kickoff Lending These accounts are erroneous, and their presence on my credit report violates the Fair Credit Reporting Act ( FCRA ). I demand an immediate investigation into these accounts, and I request their removal from my credit profile without delay. 

Furthermore, I have attached a copy of my Federal Trade Commission ( FTC ) Identity Theft Report, which documents that my personal information was compromised in a data breach. This breach has resulted in unauthorized activity on my credit file, including the accounts listed above. 

In accordance with the FCRA, I expect : Confirmation that these accounts have been removed. 

A corrected copy of my credit report reflecting these changes. 

A detailed explanation of the steps taken to resolve my dispute. 

Please note that the inclusion of these accounts causes undue harm to my credit profile and financial standing. Their continued reporting constitutes a violation of federal laws, and I expect XXXX to act swiftly to rectify this situation. 

Thank you for your prompt attention to this matter. Should you need further information or documentation, please contact me at my email Sincerely,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: Kikoff Inc.
State: SC

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my credit report. Specifically : Incorrect Address : My current address is listed incorrectly. Please update my address to reflect the correct information, as detailed above. 

Fraudulent Accounts : The following accounts are fraudulent and were not authorized by me : Eastern Account System Kickoff Lending These accounts are erroneous, and their presence on my credit report violates the Fair Credit Reporting Act ( FCRA ). I demand an immediate investigation into these accounts, and I request their removal from my credit profile without delay. 

Furthermore, I have attached a copy of my Federal Trade Commission ( FTC ) Identity Theft Report, which documents that my personal information was compromised in a data breach. This breach has resulted in unauthorized activity on my credit file, including the accounts listed above. 

In accordance with the FCRA, I expect : Confirmation that these accounts have been removed. 

A corrected copy of my credit report reflecting these changes. 

A detailed explanation of the steps taken to resolve my dispute. 

Please note that the inclusion of these accounts causes undue harm to my credit profile and financial standing. Their continued reporting constitutes a violation of federal laws, and I expect XXXX to act swiftly to rectify this situation. 

Thank you for your prompt attention to this matter. Should you need further information or documentation, please contact me at my email Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: CA

Complaint narrative:
is this account needs to be removed under section 605B this account not only has been paid off, but it has also been closed and still shows on all three of my credit. I am asking for this to be removed immediately.

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

Complaint narrative:
" I am a victim of a data breach and identity theft. 
Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. I have four negative reports that need to be removed and blocked

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

Complaint narrative:
An item that has resulted from fraud which I never benefitted from still appears on my report and you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.

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 2025-01-01 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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

Complaint narrative:
I have contacted several time and warned company against calling and harassing. I have submitted ID theft report from FTC.gov website, the company also ignores that they are in violation of 3 federal codes. 15 U.S. CODE 6802, 15 U.S CODE 1681B, 18 U.S CODE 1028.

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 2025-01-01 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: CO

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-01 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: FL

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

These accounts are not complete and inaccurate : XXXX. XXXXXXXX XXXX XXXX, last date of activity, closed date, last payment date and dispute status are not reporting correctly. 
XXXX. XXXX, last activity date, closed date, last payment date and dispute status are not reporting correctly. 
XXXX. XXXX XXXX, last activity date, closed date, last payment date and dispute status are not reporting correctly. 
XXXX. XXXX XXXX, last activity date, closed date and dispute status are not reporting correctly. 
XXXX. XXXX, last activity date, closed date and dispute status are not reporting correctly. 
XXXX. XXXX XXXX XXXX activity date, closed date and dispute status are not reporting correctly. 
XXXXXXXX XXXX  last activity date, closed date and dispute status are not reporting correctly. 
XXXX, proof of investigation and proof of the negative payment status for this account was not provided. 
XXXX. XXXX, proof of investigation and proof of the negative payment status for this account was not provided. 
XXXX. XXXX, XXXX of investigation and proof of the negative payment status for this account was not provided. 
XXXXXXXX XXXX  - XXXX XXXX XXXX, last activity date, closed date and dispute status are not reporting correctly. 
XXXX. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  last activity date, closed date, high balance, balance owed and dispute status are not reporting correctly. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX, last activity date, closed date, high balance and dispute status are not reporting correctly. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, high balance, last activity date, balance owed and dispute status are not reporting correctly. 
XXXX. XXXX XXXX - XXXXXXXX XXXX  high balance, last activity date, balance owed and dispute status are not reporting correctly. 
XXXX. XXXX. XXXX - XXXXXXXX XXXX XXXX XXXX last activity date, closed date and dispute status are not reporting correctly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, last activity date, closed date and dispute status are not reporting correctly. 

I have sent XXXX letters with the latest being in XX/XX/year> ( Attached ) to reinvestigate the above accounts. The accounts were not updated to be accurate. I requested documentation of the investigation and they did not provide it which is violation go 15 USC 1681i7.

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 2025-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
XXXX sent a bill for " taxes '' I pay all taxes with all my shipments, I have no idea what this is. They then sent the bill to a credit agency TSI for {$17.00} XXXX XXXX inv number XXXX XXXX XXXX

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

Complaint narrative:
Its unbelievable how these unauthorized accounts are still showing up on my credit report, continuing to hurt my score. The impact on my life and opportunities has been severe, and Im done waiting for it to be fixed.

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 2025-01-01 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: FL

Complaint narrative:
I am writing to formally request your assistance regarding the removal of certain accounts from my credit reports maintained by XXXX and TransUnion. After conducting their investigation, XXXX has removed the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DE XXXX ( XXXX ) XXXX Given XXXX  determination, I am requesting that XXXX and TransUnion also remove these accounts from their reports. According to the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate and verifiable information on their credit reports. If these accounts can not be verified as accurate, they must be removed.

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 2025-01-01 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed that my personal information is incorrect. This inaccuracy has led to the appearance of unknown and inaccurate accounts on my credit report, which are not associated with me in any way.

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