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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year> I sent out an opportunity to cure letter concerning an negative account furnished by XXXX XXXX XXXX requesting all information from XXXX, Equifax, and XXXX pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that they have adopted is designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days. I also stated that Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, and you ( XXXX ) have fraudulently verified an account without a reasonable procedure as required by law and Delete these incomplete and unverifiable accounts and transactions from my consumer reports : XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 had my credit frozen with the secondary credit bureau like XXXX or XXXX, but Transunion ignore my credit freeze with these secondary credit bureau and released my credit files to third party. Also, I request an update on my address, spelling of my name, and social security number on my credit with Transunion, since it reflects wrong information. They never did update my request after sending copy of my driver license, social security card, as well my utilities and insurance bills reflecting my correct name and ss number

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute and request the immediate blocking of fraudulent information on my credit report under the protections granted by 15 U.S. Code 1681c-2A. 
I recently discovered unauthorized or fraudulent accounts and/or inquiries on my credit report. These accounts were established or attempted without my knowledge or consent and are the result of identity theft. Specifically, the disputed items are as follows : XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX In compliance with 15 U.S. Code 1681c-2A, I have enclosed the following documentation to support my claim : A copy of a valid driver 's license A copy of a police report or FTC Identity Theft Report ( FTC Report XXXX : XXXX ) Under the statute, you are required to block the reporting of information that is the result of identity theft within four business days of receiving this notification and the accompanying documentation. I kindly request written confirmation that the disputed information has been blocked from my credit file. 
Additionally, please provide an updated copy of my credit report reflecting these corrections once the fraudulent information has been removed. 
Thank you for your prompt attention to this matter. If you require any further information or documentation, please contact me.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To whom it may concern, Listen you ( XXXX, TRANSUNION, XXXX ) disgusting pieces of garbage. You critters of Evil servants of XXXX the XXXX creatures of XXXX, literally carrying on the work of your father the XXXX that make bloody profits by causing ruins on other people 's lives, who is the one really blocked all my financial means of living you are just his puppets. XXXX XXXX ; Re XXXX That is the same thing you have been saying ever since 2020. The company is working on your issue, we apologize for the inconvenience. 

You filthy disgusting garbage is your apology going to put food on my family 's table or do we serve your apologies on our family 's table to eat? 

What does it cost you to follow the FCRA Laws & Regulations Block all the items not recognized by the consumer because of identity theft and data breaches. 

No buddy is asking you not to investigate, on the contrary investigate all you want to your heart 's delight. 

Then depending on what you find out through a real investigation again do to hearts delight rescind the block. 

But why would an Evil critter do the right thing what should be done according to the Laws & 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 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: MA

Complaint narrative:
To whom it may concern, Listen you ( XXXX, XXXX, EQUIFAX ) disgusting pieces of garbage. You critters of Evil servants of XXXX the XXXX creatures of XXXX, literally carrying on the work of your father the XXXX that make bloody profits by causing ruins on other people 's lives, who is the one really blocked all my financial means of living you are just his puppets. XXXX XXXX ; Re XXXX That is the same thing you have been saying ever since 2020. The company is working on your issue, we apologize for the inconvenience. 

You filthy disgusting garbage is your apology going to put food on my family 's table or do we serve your apologies on our family 's table to eat? 

What does it cost you to follow the FCRA Laws & Regulations Block all the items not recognized by the consumer because of identity theft and data breaches. 

No buddy is asking you not to investigate, on the contrary investigate all you want to your heart 's delight. 

Then depending on what you find out through a real investigation again do to hearts delight rescind the block. 

But why would an Evil critter do the right thing what should be done according to the Laws & Regulations?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Round Up Ventures, L.P.
State: FL

Complaint narrative:
Lendly is charging me over XXXX XXXX interest on a {$1000.00} loan. This is illegal

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is a notice to dispute inaccurate information being furnished on my consumer report by TransUnion. They are in violation and should take account 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
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:
In accordance with the Fair Credit Reporting act XXXXXXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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: GA

Complaint narrative:
I am writing to formally dispute certain accounts and a collection entry listed on my credit report.My personal information was involved in two data leaks : Equifax and XXXX XXXX These accounts were fraudulently opened in my name without my knowledge or authorization. I request that you remove them from my credit report promptly.

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: AZ

Complaint narrative:
MY INFORMATION HAS BEEN EXPOSED IN A DATA BREACH. HERE ARE THE ACCOUNTS LISTED : XXXX XXXX - Acct # : XXXX, Bal- {$0.00} Date opened : XX/XX/XXXX XXXX XXXX- Acct # : XXXX Bal- {$0.00} Date opened : XX/XX/XXXX XXXX XXXX- Acct # XXXX, Bal- {$690.00} Date XXXX XXXX- Acct # XXXX, Bal- {$130.00} Date XXXX XXXXAcct # XXXX, Bal- {$0.00} Date opened : XX/XX/XXXX XXXX XXXX # XXXX, Bal- {$0.00}, Date XXXX XXXX XXXX XXXX XXXX # XXXX, Bal- {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, Bal- {$1700.00}, Date XXXX XXXX XXXX XXXX XXXX XXXX  ) - Acct # XXXX, Bal- {$600.00} Date XXXX XXXX XXXX XXXX-Acct # XXXX, Bal- {$510.00}, Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Acct # XXXX, Bal- {$130.00}, Date XXXX XXXX ( XXXX XXXX XXXX XXXX ) - Acct # XXXX, Bal- {$1100.00}, Date XXXX XXXX- Acct # XXXX, Bal- {$1300.00}, Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - Acct # XXXX, Bal- {$690.00}, Date XXXX XXXX XXXX XXXX Acct # XXXX XXXX Bal- {$1700.00}, Date XXXX XXXX XXXX XXXX- Acct # XXXX, Bal- {$0.00} XXXX Date 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 2025-01-09 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: AZ

Complaint narrative:
MY INFORMATION HAS BEEN EXPOSED IN A DATA BREACH. HERE ARE THE ACCOUNTS LISTED : XXXX XXXX - Acct # : XXXX, Bal- {$0.00} Date opened : XX/XX/XXXX XXXX XXXX- Acct # : XXXX Bal- {$0.00} Date opened : XX/XX/XXXX XXXX XXXX Acct # XXXX, Bal- {$690.00} Date XXXX XXXX- Acct # XXXX, Bal- {$130.00} Date XXXX XXXX-Acct # XXXX, Bal- {$0.00} Date opened : XX/XX/XXXX XXXX XXXX # XXXX, Bal- {$0.00}, Date XXXX XXXX XXXX XXXX XXXX # XXXX, Bal- {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, Bal- {$1700.00}, Date XXXX XXXX XXXX XXXX XXXX XXXX ) - Acct # XXXX, Bal- {$600.00} Date XXXX XXXX XXXX XXXXAcct # XXXX, Bal- {$510.00}, Date XXXX XXXX XXXX ( XXXXXXXX XXXX  ) - Acct # XXXX, Bal- {$130.00}, Date XXXX XXXX ( XXXX XXXX XXXX XXXX ) - Acct # XXXX, Bal- {$1100.00}, Date XXXX XXXX- Acct # XXXX, Bal- {$1300.00}, Date XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - Acct # XXXX, Bal- {$690.00}, Date XXXX XXXX XXXX XXXX Acct # XXXX XXXX Bal- {$1700.00}, Date XXXX XXXX XXXX XXXX- Acct # XXXX, Bal- {$0.00} XXXX Date 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX Equifax and XXXX does not truly look in to my disputes. I show proof of the incorrect information and they either ignore or deny the responsibility. I have called and finally after repeating my S.S multiple times and waiting for hours to a response of being sent to incorrect department just to finally be told they can not do anything about it. Here lately I received my dispute by the next day or XXXX only to told its verified and updated. Im reaching out to CFPB for help. XXXX Equifax and XXXX is absolutely not for Consumers. The phone number they ( XXXX ) list only offers you to change your freeze. If you ask to speak to a representative will only leave the option of a repeat computer response.Transunion expects you to pay for your own credit score? How is this legal? XXXX only allows XXXX dispute until they are completed with the other. These XXXX bureaus are running a sham and should be against the law for them to treat consumers this way. Reaching a representative at XXXX is just as bad. Each one of these bureaus has received my disputes over the last couple of years. XXXX XXXX XXXX also has ignored my disputed proof only to be told sorry for the mistake but only to see nothing has been done to correct. I have been denied loans because of these companies reporting incorrect 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$440.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$410.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$600.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1200.00} XXXX # XXXX XX/XX/XXXX -- {$240.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CarMax, Inc.
State: IN

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
CAF XXXX Balance {$13000.00} XXXX  XXXX XXXX XXXX Balance {$0.00}

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: PA

Complaint narrative:
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.

These fraudulent accounts consist of two Student Loan accounts opened on XX/XX/XXXX under the account number ( private ), an mortgage loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), an mortgage loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). Support order opened at Domestic relation Section on XX/XX/XXXX under the account number ( private ). 
These 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. Further these accounts are now considered in litigation. 

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 # ( XXXX ) 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 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: GA

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with non-monetary relief