vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-09 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:
" 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 2025-01-09 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: VA

Complaint narrative:
Please review this matter thoroughly, as it was submitted with utmost concern. My credit report contains mixed information, and I continue to encounter unknown accounts, transactions, and items that are not mine. This is deeply distressing and has caused me considerable stress and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
Asked company to remove unverifiable items from report and investigate accuracy and pay for items that was listed and they later removed that was not suppose to be there in complaint 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 2025-01-09 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:
I am writing to request an investigation into certain accounts on my credit report, as there appears to be a misunderstanding regarding their accuracy. These accounts were previously removed but have been reinstated without my knowledge. I did not receive any notification or correspondence about their reappearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
i am writing to bring to your attention several inquiries i have identified on my credit report, dated XX/XX/year>. Understand thst pursuant to section 605b Of the Fair Credit Reporting Act ( FCRA ), it is your obligation to block fraudulent information resulting from identity theft within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/year> I reported navy federal credit union to the north Carolina department of Justice consumer protection division for falsely saying my loan payments to them were reversed. However, to date, the company has failed to respond to the north carolina state attorney general 's office concerning my complaint against them. They were specifically given 15 days to respond but has not yet done so. They lied to the XXXX XXXX XXXX  about my case as well, saying my payments will not be returned. So, originally they stated that I never made the payments and then they said the payments were reversed. So they lied to the XXXX  and the NC DOJ as well. So at this point I don't know what to do. I contacted my state congressmen today to see what they can do. They also reached to the cfpb concerning my complaint, saying the payments wont be returned to me for the auto loan and consumer loan, yet they said the payments were reversed the last time I spoke with them. My state congressmen is looking into the matter as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 2025-01-09 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: CA

Complaint narrative:
I urge you to carefully review this complaint, as it was sent with genuine concern. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that are not mine. This is deeply troubling and has caused me significant stress and XXXX, knowing my personal information is being misrepresented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
Heres your revised dispute letter : Subject : Dispute of Unauthorized Account on Credit Report To Whom It May Concern, I am writing to formally dispute an unauthorized account that appears on my credit report. My name is XXXX XXXX, and the account in question was created with Apple Card GS Bank on XX/XX/year>, with an outstanding balance of {$2300.00}. 

I did not create this account. My personal information was compromised in a data breach, and I believe this account was fraudulently opened using my stolen information. 

Here are the details of the account for reference : Creditor Name : Apple Card GS Bank Account Number : XXXX Date Opened : XX/XX/year>XXXX  Disputed Amount : {$2300.00} I request that the CFPB investigate this matter thoroughly and facilitate the removal of this account from my credit report. Please inform me of the next steps in the investigation process. I am committed to providing any additional information needed to resolve this matter. 

Thank you for your prompt attention to this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : Formal Dispute of All Inaccuracies Account XXXX Dear Experian, This letter serves as a formal dispute of all inaccuracies regarding the account identified as XXXX, as reported on my Experian credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am demanding an immediate reinvestigation, correction, and/or removal of this inaccurate information. 

Disputed Items : Incorrect Charge-Off Status The account is listed as charged off as of XX/XX/year>, which is not accurate. I demand the following : Documentation proving the account was properly charged off in compliance with FCRA 609 ( 15 U.S. Code 1681g ). 
Evidence that XXXX XXXX attempted to notify me of this charge-off and provided me with an opportunity to settle the debt prior to taking this action. 
This account is reported as a charge off however, the creditor continues to report the charge off status every month which is inaccurate charge off is a one-time event and can not legally be reported on a monthly basis this practice violates my rights under the FCRA Incorrect balance reporting The account shows a charge on status while simultaneously reporting a balance of {$190.00}. If this debt has been charged off, it is unclear how a balance can remain on the account. Request for documentation to substantiate the balance, including a breakdown of payments, fees, and interests. 


Violations of Federal Laws : FCRA 609 and 611 : Credit bureaus and furnishers are required to provide complete, accurate information and validate disputed accounts within 30 days of receiving a dispute. Failure to do so violates federal law. 
FDCPA 809 : Creditors or debt collectors must provide proper debt validation, including all requested documentation, upon request. 

Demands : 1. Conduct a full investigation of this account and resolve all inaccuracies within 30 days, as required under FCRA 611.

2. Provide me with written confirmation of the following : Corrected payment history. 
Removal of the charge-off status if it can not be validated. 
Correct balance, past-due amounts, and payment records. 
3. If XXXX XXXX or Experian can not validate the disputed information, the account must be removed from my credit report immediately.

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 2025-01-09 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: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-01-09 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: GA

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2025-01-09 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: GA

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc
State: CA

Complaint narrative:
I had applied XXXX XXXX for XXXX and XXXX last year in late XXXX and early septmeber of XXXX both company used Checkr background check company. my lyft report came in clean or in thier verbage COMPLETED but my uber report which is the same exact report but it said CONSIDER and i was denied to do rideshare with XXXX. i have recently contacted Checkr and as for explanation but they have no phone number to contact customer service only way you can reach them is via AI Chat Bot and thier AI Chat both is programed to use stall tactics and keep telling me to file for dispute online only! i need to know the exact difference between those reports since they are the ones who is providing the report. XXXX report has an incident happend like 7 years ago while lyft does not show it and im able to XXXX  with them.. i feel like Checkr is not providing accurate information or uber is asking for more information beyond california law allows them too! i want this correct and deleted and send a correct information to XXXX  so i can earn a living

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-09 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: CL Holdings LLC
State: TX

Complaint narrative:
I disputed several accounts on my credit report that do not belong to me, XXXX closed the disputes in less than 12 hours, I know that they didnt investigate properly because they would know that those accounts dont belong to me. I dont understand how you close an account without even looking into it, its like they copied and past what was on my report already

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.A.Rogers, Inc.
State: NY

Complaint narrative:
I am writing to formally request the removal of an account from my credit report, the account is account number, originally held with XXXX XXXX XXXX XXXX .in the amount of {$800.00} and subsequently sold to RA ROGERS INC DEBT COLLECTION AGENCY. 
I WOULD LIKE TO BRING TO YOUR ATTENTION THAT I HAVE BEEN ACTIVELY TRYING TO RESOLVE THIS ISSUE AND HAVE ALREADY SETTLED THE OUTSTANDING BALANCE. 
GIVEN THAT THE DEBT HAS BEEN PAID AND THE ORIGINAL CREDITOR NO LONGER HOLDS THE THE ACCOUNT, I RESPECTFULLY REQUEST THAT YOU REMOVE THE ACCOUNT FROM MY CREDIT REPORT. 
UNDER THE FRCA IAM ENTITLED CORRECTION OF INCORRECT INFORMATION OF ANY INACCURACIES.SINCE THIS ACCOUNT IS NO LONGER VALID DUEBTO ITS SALE /UNAUTHORIZED TRANSFER TO A COLLECTION AGENCY AND SUB SETTLEMENT, I BELIEVE IT IS IN BOTH OUR INTEREST TO TO RECTIFY THIS INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
My outstanding credit card balance with XXXX XXXX  account ending in XXXX has been fully paid. I paid the amount of {$100.00} on XX/XX/year>XXXX  and {$4500.00} was paid XX/XX/year>XXXX  but XXXX  has not updated my account with any of the payment and its still negatively affecting my account. Attached are receipts showing the proof of payment

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I honestly don't understand what is going on! I just recently in the last week requested a copy of my credit report like I always do in the beginning of every year to address whatever may be an issue or inaccurate. This time, not only did I request my report but recently I asked for a credit increase on one credit account. This morning, I received a message that I no longer have a FICO score. Which makes no sense because I haven't done or used anything credit wise to no longer have a credit score. Yesterday, it was a XXXX. Now I have nothing. How is that even possible?

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 2025-01-09 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 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 2025-01-09 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: FL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-01-09 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:
These 37 inquiries that are reporting on my EXPERIAN credit report ( XXXX XXXX  ) are fraudulent, inaccurate, and unverifiable. ( 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