vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-02-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a complaint with the Bureaus a month ago, but the wrong info on my report is still there. I haven't heard back from them, aside from your message saying the company replied to my complaint. How can I trust that they've really looked into the inaccuracies? What steps did they take to verify the accounts? This whole thing is so frustrating! It's been over 30 days since I reached out, and the disputed accounts are still unchanged. If this keeps up, I might have to consider legal action because of the stress it's causing me. Plus, I'm worried about my personal data security after the XXXX, Experian, and XXXX breach.

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 2025-02-13 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: DE

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-02-13 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Recovery Solutions, LLC
State: MI

Complaint narrative:
Asset recovery solutions called me while i was at work. I answered they gave the XXXX  of debt collection. I than asked for XXXX XXXX of Asset recovery solutions to send me a letter of verification of debt and they had 5 days to do so XXXX XXXX told me NO because who would pay 2 years on a credit card than stop. I told her that was non of her business told them my information has been involved in multiple data breaches from companies. ( Have letters ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  she than proceeded to tell me she is going to put my data into cease and desist i than told her that was illegal because i was asking for a letter of verification. She than said ph so you XXXX XXXX dictate this call im like your calling me for money so yes i do controller this call. So she then decides to hang up on me. I called back no answer called back again XXXX picked up the phone and sent me to her XXXX. Which i took the problem up with told her what she ( XXXX XXXX did was illegal and i have grounds of a lawsuit. She then sends me a letter of verification after XXXX hrs on the phone while at work arguing with this company i have also told this company not to call me between the hours of XXXX because i am at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: CA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-13 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: MD

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MECHANICS BANK
State: AZ

Complaint narrative:
I called mechanic banks and asked if they are XXXX XXXX XXXX and they said they bought XXXX XXXX XXXX  and I send mechanic banks screenshots of my credit report where it says XXXX XXXX XXXX has decreased on my score on my credit report I also called XXXX XXXX, XXXX, the credit bureau told me theres different names that are spilled different on my credit report and that it shows foXXXX XXXX XXXX XXXX XXXX XXXXonths late payments. XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I been calling they said they will investigate and removed any mislead names and addresses that are not mine. And will send me a report in the mail. This been affecting my XXXX XXXX for years since the vehicle been paid off. My XXXX XXXX has not gone up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was charged a great amount of fees due to untimely banking updates. My account was suspended. I since have been have a hard time resolving this issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Greenberg, Grant & Richards Inc.
State: VA

Complaint narrative:
To collect a debt that was a mistake in her part this person contacted like professional licensing agency when they are too separate entities. Trying to bully me through how I obtain a living. 

Debt Relief Services in XXXX, TX XXXX XXXX works for Greenburg, Grant and Richards Company. If you even google her she has a history of illegally bullying people about debt collections.

I do have an email where she forward me in on her bullying me to the state licensure board about a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Driveway Finance Corporation
State: OR

Complaint narrative:
Driveway Finance Corp. unlawfully repossessed my vehicle while litigation was pending. XX/XX/XXXX I lawfully rescinded the contract under 15 U.S.C. 1635 ( TILA ). XX/XX/XXXX They ignored my rescission and continued collection efforts, violating TILA and FDCPA. Final demand Letter was sent XX/XX/XXXX. 

My UCC-1 lien ( XXXX XXXX XXXX, XXXX ) secured my interest in the vehicle, yet they took it anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MI

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information on my credit report, specifically regarding late payments reported by the State Employees Credit Union ( SECU ) and personal information errors. Pursuant to the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and other applicable laws, I request a thorough investigation and correction of the following disputed items. 

Legal Basis for Dispute : 1. 15 U.S.C. 1681i ( a ) ( 1 ) requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information and correct or delete inaccurate, incomplete, or unverifiable information.

2. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) requires credit reporting agencies to provide prompt notification of the results of a reinvestigation to the consumer.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) requires credit reporting agencies to modify, delete, or permanently block disputed information that is inaccurate, incomplete, or can not be verified.

4. 15 U.S.C. 1666b ( a ) prohibits creditors from reporting late payments if the payment was made within the grace period or if the creditor failed to provide proper billing disclosures. 
5. 15 U.S.C. 1681n and 1681o provide for civil liability and damages for willful or negligent noncompliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that i had XXXX late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsabilty to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-02-13 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: LEXISNEXIS
State: FL

Complaint narrative:
I filed recent disputes with XXXX, XXXX and XXXX and requested that all XXXX major credit bureaus XXXX, XXXX and XXXX provide me the method of verification, the description of procedure and all of the documentation rendered or retrieved that proves these negative reporting 's and accounts are accurate. Based on XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) I am within my rights to request this information within 15 days or it must be removed from all of my reports. The accounts that I included in the dispute were XXXX XXXX, XXXX, XXXX Bank XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX denied to follow up with investigation and documentation of the performed investigation. I recently was notified that the CFPB has filed a lawsuit against the companies XXXX and XXXX. They alleged the companies of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. XXXX and XXXX have not attempted to remove, nor correct any information. I am requesting that all derogatory remarks be removed or corrected immediately as it is affecting my chances of homeownership and creditworthiness. XXXX and XXXX violates my rights as a consumer as well as federal laws. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : **Creditor/Collection Agency Name : XXXX XXXX XXXX XXXXAccount Number : XXXX **Amount : $ XXXX **Date of Account : 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 2025-02-13 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: MD

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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:
{$730.00} XXXX XXXX ESTABLISHED XX/XX/XXXX, CALLED COMPANY ON XX/XX/XXXX THEY CANT FIND ME IN THEIR 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 2025-02-13 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: FL

Complaint narrative:
{$730.00} XXXX XXXX ESTABLISHED XX/XX/XXXX, CALLED COMPANY ON XX/XX/XXXX THEY CANT FIND ME IN THEIR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
{$730.00} XXXX XXXX ESTABLISHED XX/XX/XXXX, CALLED COMPANY ON XX/XX/XXXX THEY CANT FIND ME IN THEIR 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 2025-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
Subject : Fraudulent Loan Accounts with Affirm Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding fraudulent loans that have been opened in my name with Affirm. I recently discovered unauthorized loan accounts, including account number XXXX and three additional accounts, which I never initiated or approved. 

Upon reviewing my credit report and financial records, I found these accounts, which appear to have been fraudulently created. I have never applied for nor authorized these loans, and I believe my personal information has been used without my consent. I have taken steps to dispute these accounts directly with Affirm ; however, I am seeking further assistance in resolving this matter and ensuring that these fraudulent accounts are removed from my credit history. 

I am including the following documents as attachments to support my claim : Correspondence with Affirm regarding my dispute. 

Any additional documentation related to this fraud case. 

I respectfully request the CFPBs assistance in investigating this matter and ensuring that Affirm promptly removes these fraudulent accounts from my records. Additionally, I would appreciate any guidance on further steps I should take to protect my credit and identity. 

Please feel free to contact me at XXXXXXXX XXXX XXXX should you require any further information. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MD

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: MI

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

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