vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. lenders can't advertise a downpayment amount that they don't normally require from borrowers. I put down XXXX to XXXX XXXX XXXX which got sold to Westlake Portfolio Management they owe me my possessions for this car payments the percentage that they used against me wrongly and harassing me by turning a stopper on the tracker for extra payments. 

Creditor Information Car Loan WESTLAKE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And every hard inquiry my name has been in the data breach since XXXX  up until now please delete these " I noticed unauthorized inquiries on my credit report that I would like removed. according to the FCRA, these unverified accounts and unauthorized items must be removed. I disputed these item through XXXX and somehow they got put back on my credit report even my address Ive been homeless for years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: CA

Complaint narrative:
On XX/XX/year> I received notification from Experian credit bureau that my XXXX  XXXX  account was closed. The same day XX/XX/year> I reached out to the creditor they informed me account is open and in good standing and theyve been reporting this status of the account to all three credit bureaus

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 2025-01-11 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: FL

Complaint narrative:
I am filing this formal complaint against Experian Information Solutions for egregious violations of the Fair Credit Reporting Act ( FCRA ), Metro 2 compliance standards, and the Consumer Financial Protection Act ( CFPA ). Their negligent and deliberate actions have caused severe harm to my financial well-being, including the denial of employment opportunities.

Since 2020, Experian has demonstrated a pattern of noncompliance and willful disregard for my rights, including : Violations by Experian : Failure to Conduct Reasonable Reinvestigations ( 611 ( a ) ( 1 ) ( A ) ) : Experian consistently marked disputed items as " verified '' without conducting thorough investigations or providing evidence to substantiate their findings.

Refusal to Investigate Disputes ( 611 ( a ) ( 2 ) ) : Experian falsely claimed that my dispute letters did not appear to come from me, thereby obstructing my ability to exercise my legal rights under the FCRA.

Deliberate Reporting of Re-Aged Accounts ( 623 ( a ) ( 5 ) ) : Experian re-aged derogatory accounts to extend their reporting period beyond the legally allowed timeframe, perpetuating inaccurate and harmful information. 

Negligent Adherence to Metro 2 Compliance Standards : Experian failed to ensure proper reporting, including errors in compliance condition codes, pay status, and other critical data fields.

Harm Caused by Experians Actions : Experians inaccurate and derogatory reporting has directly caused me to be denied multiple employment opportunities, negatively impacting my career and financial stability.

Their refusal to investigate disputes and report accurately has delayed my ability to correct my credit file, causing ongoing stress and financial hardship.

Supporting Evidence : I have attached the following documents to substantiate my claims : 1.Copies of dispute letters sent to Experian, along with their inadequate responses. 
2.Credit reports showing Experians false verified status on disputed items.

3.Employment denial letters explicitly citing credit report issues. 

*Reference to the CFPBs XX/XX/XXXX, lawsuit against Experian XXXX which highlights similar violations and systemic failures.

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 2025-01-11 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: NY

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX  - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX XXXX  - XX/XX/year> The following inquiries were not and should not be 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 non-monetary relief
Consumer complaint received 2025-01-11 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: CA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-01-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Deletion of Collection Account ( XXXX XXXX XXXX ) Dear XXXX, I am writing to request the removal of a collection account listed by XXXX XXXX XXXXXXXX from my credit reports with Experian, XXXX, and XXXX. The account in question has been removed from my XXXX credit report, and I am requesting that you take the necessary steps to ensure it is also removed from your records. 

Here are the details of the account : Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX Date Opened : XX/XX/XXXX Date Reported to [ Experian/XXXX/XXXX  ] XXXX XX/XX/XXXX XXXX per the Fair Credit Reporting Act, I am entitled to request that incorrect or outdated information be removed from my credit report. Since this account has been removed from my XXXX report, I believe it is appropriate for it to be removed from your reports as well. 

I kindly ask that you investigate this matter and delete the account from my credit file. Please notify me in writing once this action has been taken. I have attached a copy of my XXXX credit report that reflects the deletion of this account for your reference. 

Thank you for your prompt attention to this matter. If you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address listed above. 

Sincerely, 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 2025-01-13 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I dont know who this company is. They are on my credit report as a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
I am a victim of identity theft and I do not have an account with XXXX XXXX XXXX XXXX. I have contacted them multiple times to let them know that the account does not belong to me. Also, these inquiries are unauthorized and I'm a victim of identity theft : 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 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 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 XXXX 15 usc 1681i ( FCRA ) - dispute procedure for inaccurate information. 15 usc 1692e ( FCRA ) - prohibits false or misleading collection practices.

Under Section 616 and Section 617 of the FCRA, if a credit bureau or creditor willfully or negligently violates the FCRA by failing to remove fraudulent inquiries or handle disputes properly, consumers may be entitled to actual damages or statutory damages and may seek legal action.

In the event that the credit reporting agencies choose to affirm the issues I request proof of validation for all matters presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
I am a victim of identity theft and I do not have an account with XXXX XXXX XXXX XXXX. I have contacted them multiple times to let them know that the account does not belong to me. Also, these inquiries are unauthorized and I'm a victim of identity theft : 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 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 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 XXXX 15 usc 1681i ( FCRA ) - dispute procedure for inaccurate information. 15 usc 1692e ( FCRA ) - prohibits false or misleading collection practices.

Under Section 616 and Section 617 of the FCRA, if a credit bureau or creditor willfully or negligently violates the FCRA by failing to remove fraudulent inquiries or handle disputes properly, consumers may be entitled to actual damages or statutory damages and may seek legal action.

In the event that the credit reporting agencies choose to affirm the issues I request proof of validation for all matters presented.

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 2025-01-11 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: TX

Complaint narrative:
I do not recognize nor did i authorized these inquiries and I have asked the credit bureau to remove them from my credit report Im also uploading a identity theft report also Im requesting them 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 explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
Used their services years ago and nothing changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Consumer Name : I XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at accounts opened at. XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a Credit card account opened with XXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened with XXXX XXXX XXXX XXXX, on XX/XX/XXXX under the account number ( XXXX ), a phone service account with XXXX opened on XX/XX/XXXX under the account number ( XXXX ) this account resulted into a collection account with XXXX XXXX XXXX, auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the removal of outdated or incorrect address information from my credit report with Experian, XXXX and XXXX. I recently reviewed my credit reports and found that some addresses listed are no longer valid or accurate

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 2025-01-11 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: CT

Complaint narrative:
RE : Demand for Method of Verification Unverified Account Dispute To Whom It May Concern : I am writing regarding Account : First Tech FCU, Account Number : XXXX reported on my credit file that I believe is inaccurate and unverified. I recently reviewed my credit reports from all three major credit bureaus, and this account does not appear to have been properly investigated. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of any information you report and conduct a thorough investigation when a consumer disputes the validity of an account. Based on my review of reports available to me, I believe this account is inaccurate, and your failure to properly verify it is unacceptable. 
I am also aware of the recent lawsuit involving the Consumer Financial Protection Bureau ( CFPB ) and XXXX, which highlights failures in proper investigations and handling of consumer disputes. I urge you to ensure that your practices align with the standards required under the FCRA. 
To resolve this matter, I demand the following : 1. A detailed Method of Verification ( MOV ) that outlines how the information for this account was verified, including : The name and contact information of the party who provided verification.

The exact steps taken to investigate my dispute.

Copies of any documentation used during the investigation process.

2. Immediate action to perform a thorough reinvestigation and provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ).

Please note that under 15 U.S.C. 1681i ( a ) ( 7 ), I have the right to be provided with a detailed description of your reinvestigation process and the method by which you verified the account. Your failure to provide this information will leave me no choice but to escalate the matter further.

Continued reporting of inaccurate information is a violation of federal law and may result in a complaint filed with the CFPB, my states Attorney Generals office, or further legal action. 
I expect a written response with the requested information within 30 days of your receipt of this letter. Please send all correspondence to the address listed above. 
Thank you for your prompt attention to this matter. 
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 non-monetary relief
Consumer complaint received 2025-01-11 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: NY

Complaint narrative:
TO WHOM IT MAY CONCERN : Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are in accurate items on my credit report. The theft of my identity was also reported to the federal trade commission. Also, I have enclosed the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete these items.

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of the consumer that the consumer identifies as information that results from a alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer agency can not furnish a account without written instructions.

15 U.S. Code 1681b and accordance with the WRITTEN INSTRUCTION of the consumer to who it relates. I never gave any consumer report and agency WRITTEN CONSENT to report anything on my consumer report that violates my right as a federally protected consumer. NO CONSENT IS IDENTITY THEFT as a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief