vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: PA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: PA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2025-01-08 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  XXXX XXXX has violated my rights. 

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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or 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 furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) 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.

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 2025-01-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  XXXX XXXX has violated my rights. 

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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or 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 furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Exeter Finance, LLC.
State: WA

Complaint narrative:
I reported that due to a XXXX  emergency, I would be moving and jobless, unable to pay for my loan on XX/XX/XXXX. I was informed that I would get an email with the paperwork needed to submit the voluntary repossession to Exeter after the holidays. I have not received any email, and the charges keep accruing. I called today, XX/XX/XXXX, to inquire about the email I have not received and the company stated they are unable to give me a timeline for their process. I explained that it was not fair that I would continue to be charged for the vehicle that I had already reported to the need to be voluntarily repossessed due to a XXXX  emergency, and there was no regard for the financial distress this would put me in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Parkway Financial Group, LLC
State: NC

Complaint narrative:
We signed and agreed up to 4 closing disclosures prior to or close. The most recent was on XX/XX/XXXX. All disclosure showed the PMI as $ XXXXOur closing was on XX/XX/XXXX. 

At XXXX on Friday XX/XX/XXXX while at our closing, we noticed the PMI rate doubled to {$100.00} and immediately reached out to the lender, Inspire Home Loans to notify them of the discrepancy. Our loan officer, XXXX XXXX said she did not understand why the amount changed and immediately reached out to the private mortgage company for resolution. We waited until XXXX XXXX  only for XXXX to say that no one was returning her call and that she would get back with us on Monday. 

We were in between a rock and a hard place. Movers scheduled for the next day. We had to be out of my sold home by Sunday, XX/XX/XXXX. We had no choice but to sign the document as it was but was promised they could amend it once they get with XXXX  company. 

After closing they are telling us that they still don't have a reason for the rate change. None of the funding or loan terms changed. The loan officer said it was her fault and that she missed the updated terms from the XXXX  company and to simply give her a bad review. 

We want an explanation of why the PMI rate changed and ; the loan to be amended to what was shared on the truth in lending disclosure 4 times. The mistake was on their end not ours. 

Since the close, I have repeatedly tried to connect with the manager of the loan officer, XXXX XXXX. To date we, have been unsuccessful in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
These 3 accounts that are reporting negatively on my TRANSUNION credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( PLEASE SEE ATTACHED )

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 2025-01-08 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:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. 

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

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 2025-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year> was notified of fraudulent activity on business checking account at XXXX. Did not see email until XXXX and call it to stop transactions but funds were already sent. At that time made XXXX XXXX  Notices on transactions. Also made police report with XXXX Department. Sheriff Department contacted the FBI. Met with FBI agent who later found out that these were transactions within the US, advised to wait 90 days to see if banks would return the money. Requested information from first call but was turned away since I talked to the FBI. After 90days started contact through the Regions Bank again to find out XXXX XXXX had responded with no return of funds. At this time sat on hold to get more specifics for all moneys. On XX/XX/XXXX finally received the breakdown of all dollars and to each bank funds were sent. Only one transaction received a response which was {$4700.00} in account number XXXX routing XXXX XXXX XXXX  customer name XXXX XXXX XXXX - no funds to return. Still waiting for response on remaining transactions- {$4600.00} acct number XXXX routing XXXX XXXX XXXX, {$4800.00} account XXXX routing XXXX XXXX XXXX, {$190000.00} account XXXX routing XXXX XXXX XXXX, {$160000.00} account XXXX routing XXXX XXXX  XXXX XXXX total of all monies {$390000.00}. Since XX/XX/XXXX have received no further communications from anybody. Tried last week to get update with nothing. Regions has made certain to continue to note " Returns can not be guaranteed. '' The other for mentioned banks have just not responded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
I am requesting the debt to be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, 2025 Security Credit Services Subject : Request for Removal of Settled Debt from Collection Account Under the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally request the removal of the settled debt reported by your agency to the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). The debt in question, as reported on my credit report, was settled, and I believe it is being incorrectly reported by your agency, as I never signed a contract or agreement with your agency for collection of this debt.

I understand that under the FCRA, a collection agency is required to provide accurate and verifiable information when reporting debts to the credit bureaus. Since I did not enter into any contractual agreement with your agency directly, I request that you provide proof of such an agreement or remove this account from my credit report.

The information you have reported is potentially inaccurate and may violate my rights under the FCRA, which guarantees that consumers have the right to dispute and request the removal of incorrect information from their credit file. If you can not provide documentation of a valid contract or agreement between myself and your agency, I ask that you take immediate steps to have this debt removed from my credit report.

The account in question is identified by the following reference number : XXXX. 

Please consider this letter a formal dispute and request for the deletion of the settled debt from your collection records. If this issue is not resolved within 30 days, I will be forced to escalate the matter by filing a dispute with the credit reporting agencies and the Consumer Financial Protection Bureau ( CFPB ) once again and getting my family attorney involved.

I appreciate your prompt attention to this matter and look forward to your response. Please provide written confirmation of the removal of the account from my credit report, or send me the necessary documentation to validate your claim. 

Sincerely, XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/year> Subject : Dispute of Inaccurate Information on Credit Report and Violation of the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am submitting this complaint against Experian and XXXX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I discovered discrepancies in the following account : Account Name : XXXXXXXX XXXX Account Number : XXXX Disputed Information : Incorrect reporting of charge-off and late payments. 
Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
Section 611 : Right to dispute inaccuracies and request investigation. 
Section 623 ( a ) ( 5 ) : Removal of unverifiable information that has not been validated by the original creditor. 
15 U.S. Code 1681e ( b ) : Ensures that procedures for including information in credit reports ensure maximum possible accuracy. 
Despite my request, Experian and XXXX failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
Additional Information : Attached documents : Updated credit report from Experian and XXXX showing unresolved discrepancies. 
Supporting documentation, including correspondence with the creditor. 
Resolution Requested : I am requesting that the CFPB investigate this matter and assist in ensuring that Experian and XXXX complies with the FCRA by : Conducting a full investigation into my dispute. 
Correcting or removing any inaccuracies found in my credit report. 
Ensuring that all reporting practices align with federal regulations. 
Removing all accounts reported inaccurately due to the violations of the FCRA. 
Applicable FCRA Violations : 15 U.S. Code 1681i : Failure to correct inaccurate or unverifiable information within 30 days. 
15 U.S. Code 1681e ( b ) : Failure to ensure maximum possible accuracy. 
15 U.S. Code 1681s-2 : Failure of the furnisher to investigate and correct inaccuracies upon notice of dispute. 
Thank you for your attention to this matter. I look forward to your response and assistance in resolving this issue promptly. 
Sincerely, XXXX XXXX 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 2025-01-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry is inaccurate.

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 2025-01-08 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: VA

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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 2025-01-08 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: TX

Complaint narrative:
My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.

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 2025-01-08 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: IL

Complaint narrative:
the following inquiries were placed on my XXXX report and was not authorize by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> the following inquiries were placed on my XXXX report and was not authorize by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the following inquiries were placed on my Transunion report and was not authorize by me : 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

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 2025-01-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
the following inquiries were placed on my Equifax report and was not authorize by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> the following inquiries were placed on my XXXX report and was not authorize by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> the following inquiries were placed on my XXXX report and was not authorize by me : 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

Company response to consumer: Closed with explanation