vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX XXXX Contact Information Address : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, CA XXXX Phone Number : ( XXXX ) XXXX Email : XXXX Subject : Reporting FCRA Violations Related to Metro 2 Compliance Dear Consumer Financial Protection Bureau, I am writing to formally report potential violations of the Fair Credit Reporting Act ( FCRA ) concerning Metro 2 compliance associated with my credit report. I believe these violations have negatively impacted my creditworthiness and overall financial health.

**Details of Violations : ** 1. **Inaccurate Reporting** : The information reported on my credit file is inaccurate. Specifically, [ describe the inaccuracies, such as incorrect payment status, balance, or account status ]. This violates Section 607 ( b ) of the FCRA, which mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy.

2. **Duplicate Reporting** : I have identified duplicate accounts associated with the same debt, which is a violation of Metro 2 compliance guidelines. The presence of duplicate accounts can mislead creditors and negatively affect my credit score.

3. **Failure to Update Account Status** : The account status has not been updated to reflect the correct information. For instance, it should indicate [ correct status, e.g., " Paid Charge-Off '' or " Settled '' ]. This failure to update is in violation of Section 623 ( a ) ( 2 ) of the FCRA, which requires furnishers to report accurate information.

4. **Lack of Response to Dispute** : I submitted a dispute regarding these inaccuracies on [ date ], but I have not received a response from [ credit reporting agency or creditor ]. This lack of timely response violates my rights under the FCRA.

**Request for Action** : I kindly request that the CFPB investigate these violations and take appropriate action to ensure compliance with the FCRA. I also urge you to consider the impact these inaccuracies have had on my credit report and financial well-being.

Enclosed with this letter are copies of my credit report highlighting the disputed information, along with any correspondence I have had regarding my disputes.

Thank you for your attention to this matter. I look forward to your prompt response and any updates regarding the investigation. 

Sincerely, XXXX XXXX This letter serves as a formal complaint and outlines the FCRA violations clearly, which is essential for the CFPB to take appropriate action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX XXXX Contact Information Address : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, CA XXXX Phone Number : ( XXXX ) XXXX Email : XXXX Subject : Reporting FCRA Violations Related to Metro 2 Compliance Dear Consumer Financial Protection Bureau, I am writing to formally report potential violations of the Fair Credit Reporting Act ( FCRA ) concerning Metro 2 compliance associated with my credit report. I believe these violations have negatively impacted my creditworthiness and overall financial health.

**Details of Violations : ** 1. **Inaccurate Reporting** : The information reported on my credit file is inaccurate. Specifically, [ describe the inaccuracies, such as incorrect payment status, balance, or account status ]. This violates Section 607 ( b ) of the FCRA, which mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy.

2. **Duplicate Reporting** : I have identified duplicate accounts associated with the same debt, which is a violation of Metro 2 compliance guidelines. The presence of duplicate accounts can mislead creditors and negatively affect my credit score.

3. **Failure to Update Account Status** : The account status has not been updated to reflect the correct information. For instance, it should indicate [ correct status, e.g., " Paid Charge-Off '' or " Settled '' ]. This failure to update is in violation of Section 623 ( a ) ( 2 ) of the FCRA, which requires furnishers to report accurate information.

4. **Lack of Response to Dispute** : I submitted a dispute regarding these inaccuracies on [ date ], but I have not received a response from [ credit reporting agency or creditor ]. This lack of timely response violates my rights under the FCRA.

**Request for Action** : I kindly request that the CFPB investigate these violations and take appropriate action to ensure compliance with the FCRA. I also urge you to consider the impact these inaccuracies have had on my credit report and financial well-being.

Enclosed with this letter are copies of my credit report highlighting the disputed information, along with any correspondence I have had regarding my disputes.

Thank you for your attention to this matter. I look forward to your prompt response and any updates regarding the investigation. 

Sincerely, XXXX XXXX This letter serves as a formal complaint and outlines the FCRA violations clearly, which is essential for the CFPB to take appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: NY

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute letter to TransUnion under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report. I included all required documentation, including a copy of my credit report with highlighted disputes, and my proof of identity. 

Before that, I also submitted an online dispute, but TransUnion failed to conduct a meaningful reinvestigation. I received a generic verification response, but no supporting documentation or actual correction of the reported issues violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

The unresolved and inaccurate information includes : Incorrect personal information My credit report lists name variations and addresses that are outdated and not associated with me.

Unauthorized hard inquiries Including but not limited to
entries I did not initiate or authorize, which is a violation of 15 U.S.C. 1681b ( f ). 

Inaccurate account data Specifically, XXXX XXXX is reporting late payments I never made, and XXXX XXXX accounts show charge-offs with inconsistent balance and status data. 

TransUnion has not complied with their legal duty to reinvestigate and respond within the 30-day period. I am requesting CFPB intervention to ensure this matter is properly resolved under FCRA regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: NC

Complaint narrative:
I am resending this complaint to EXPERIAN regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

XXXX XXXX  XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} Date Opened : XX/XX/XXXX XXXX XXXX  Original Creditor XXXX XXXX  XXXX  XXXX XXXX Owed : {$740.00} Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: AL

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: FL

Complaint narrative:
I am filing a formal complaint against XXXX and Equifax for violations of the Fair Credit Reporting Act ( FCRA ) and for unauthorized activity on my credit report that has resulted in financial harm. 

On XX/XX/year>, I submitted a dispute directly to XXXX requesting removal of a bankruptcy listed on my consumer report. I later received documentation from the U.S. Bankruptcy Court, stating clearly that they do not report bankruptcy filings or information to consumer reporting agencies or third-party data providers. Therefore, the bankruptcy entry is unverifiable and should have been removed. 

Instead, XXXX conducted a flawed investigation and improperly submitted a dispute to Equifax on my behalfwithout my knowledge, permission, or consent. This unauthorized dispute constitutes identity theft and misrepresentation under federal law. 

The Equifax investigation results referenced a member number submitted by XXXX regarding an inquiry. I never submitted such a dispute. This action has caused Equifax to allow continued reporting of incorrect and unverifiable information, including : A bankruptcy that can not be verified by the courts. 
Post-bankruptcy delinquencies reported on accounts that were paid on time and discharged. 
The incorrect status of XXXX XXXX as " open '' when it was included in and discharged through bankruptcy. 
These errors violate my rights under the FCRA, particularly : 15 U.S.C. 1681e ( b ) failure to maintain maximum possible accuracy.

15 U.S.C. 1681i failure to properly reinvestigate disputed information. 
18 U.S.C. 1028 unauthorized representation and use of my identity by XXXX. 
I am requesting that the CFPB investigate these violations and require : Immediate deletion of the unverifiable bankruptcy and all related incorrect remarks. 
Confirmation from Equifax that XXXX ' unauthorized dispute has been removed from my file.Sanctions or enforcement actions for XXXX misuse of my personal information. 

Additionally, I reside in Florida, where XXXX ' and Equifaxs actions also violate state law. Under the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), Florida Stat. 501.201.213, companies are prohibited from engaging in unfair or deceptive conduct in the course of trade or commerce. Submitting an unauthorized dispute on my behalf and reporting unverifiable data clearly falls within this definition. 

Furthermore, under Florida Stat. 817.568, the unauthorized use of my personal identifying information without consent constitutes a criminal offense. I am therefore requesting that this matter be escalated for immediate review and enforcement under both federal and Florida law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.T.R. Financial Services, Inc.
State: FL

Complaint narrative:
I received a debt collection notice dated XXXX XXXX XXXX, from R.T.R. Financial Services regarding an alleged debt of {$170.00} owed to XXXX XXXX XXXX XXXX XXXX XXXX under account number XXXX. I have no record or recollection of receiving such medical services and do not recognize this debt. Based on my review and public complaints, RTR has previously faced issues regarding attempts to collect debts that were not properly validated and failing to provide adequate documentation upon request. This raises concerns about the legitimacy and accuracy of the debt claimed in their notice. The lack of proper validation, as required by the Fair Debt Collection Practices Act ( FDCPA ), has caused unnecessary stress and confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I looked and reviewed my report back on my XXXX, 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 report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate. And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Account has been paid

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/2024, at around XXXX XXXX, I went to an XXXX ATM located inside an XXXX XXXX. The ATM is down the street from my house, and I have used it many times before without any issues. My intention was to withdraw my rent money {$760.00}. The first withdrawal I requested was {$300.00}, and I received it without any problems. I chose not to receive a receipt. 

I then reinserted my card and requested another {$300.00}, as that is the limit for each transaction. This time, the ATM machine made unusual noises as it attempted to dispense my cash. I waited approximately two to three minutes while it seemed to be retrieving the money. However, it prompted me to take my receipt and cash even though I hadnt received the cash. The machine printed my receipt and then asked if I wanted another receipt after I had supposedly received my cash, which I thought was strange because no cash was dispensed. 

Shortly afterward, the ATM appeared to shut down or reload. The screen displayed a not in service message for about two minutes, then returned to its initial screen. From what I understood, the machine likely ran a balance check but never dispensed the cash. 

I then tried withdrawing {$20.00}, which the machine did dispense. That marked the end of my transaction at that location. I filed a dispute with my bank, SoFi, but they denied my claim without providing a valid reason. 

I suspect SoFi didnt contact XXXX  XXXX, and I believe a {$300.00} overage would be apparent in the ATMs records since I didnt receive the {$300.00}. This has left my account overdrawn by {$300.00} for over a week, and I am concerned about how it may negatively affect my credit. 

If you have any suggestions on how to resolve this issue, I would greatly appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: NY

Complaint narrative:
Follow-Up to CFPB Complaint # XXXX To Whom It May Concern, This is a formal response to Equifaxs reply to my original complaint. Their response failed to address the core issues and instead relied on generic procedural language without providing a specific resolution. I am requesting that this matter be escalated due to noncompliance with the Fair Credit Reporting Act ( FCRA ), and I am attaching a letter from the bankruptcy court as evidence. 

1. Unauthorized Bankruptcy Reporting Equifax continues to report a bankruptcy on my credit report that is not valid. I have attached a letter from the bankruptcy court explicitly stating that they do not report any consumer information to third parties. Therefore, any bankruptcy appearing on my credit report is unauthorized and inaccurate. 

Equifax did not provide : The name of the court or entity responsible for reporting this entry, Any evidence verifying the accuracy of the bankruptcy listing, or A justification for refusing to remove it after receiving proof that no such reporting occurred. 
2. Impermissible Late Payment Reporting My complaint included a dispute regarding late payment data that violates federal consumer protection laws. These entries are based on non-credit-based transactions and should not appear on my credit report. Equifax failed to : Specify which accounts were verified, Identify the furnishers they contacted, Provide copies of verification results, and Remove inaccurate or unverified data as required under 15 U.S.C. 1681i. 
3. Failure to Acknowledge UCC Secured Party Status I am a secured party with an active UCC-1 Financing Statement ( Filing No. XXXX ), which I included in my original complaint. Equifax did not acknowledge or address this legal status, nor did they explain why this information was disregarded in evaluating my credit file. 

Formal Demand for Corrective Action I am formally requesting that Equifax take the following actions : Delete all unauthorized bankruptcy-related data from my credit report. 
Remove all inaccurate or impermissible late payment information. 
Acknowledge my secured party status as outlined under my UCC-1 filing and provide a written explanation regarding its impact on my file. 
Provide a written response detailing which accounts were investigated, what documentation was used for verification, and the names of any furnishers or public record sources contacted. 
If these actions are not taken within 15 days, I will request that the CFPB initiate enforcement action and I will explore legal remedies for willful noncompliance under FCRA 1681e ( b ) and 1681i ( a ). 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: Kriya Capital, LLC
State: SC

Complaint narrative:
My father has used my credit multiple with out my knowledge or concent these bout {$6800.00} I'm debt in collections there's 5 collections in my report from XXXX XXXX

Company response to consumer: Closed with non-monetary relief