vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: 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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-31 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: OH

Complaint narrative:
I am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my Credit Report, as well as measures to prevent its re-insertion. 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: OH

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: LA

Complaint narrative:
Equifax Informational Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Request to Remove Credit Inquiries Dear Equifax, I am writing to request the removal of the following credit inquiries from my credit report : - XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX These inquiries were made in error/without my permission, and I would like to request their removal. Please investigate this matter and update my credit report accordingly. 



I would appreciate it if you could provide a corrected copy of my credit report within the next 30 days. 



Thank you for your attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: IL

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am writing to formally lodge a complaint against both XXXX XXXX and my credit union regarding a series of unauthorized charges and a lack of proper investigation into the matter. I believe my rights as a consumer have been grossly violated, and I seek your assistance in rectifying this situation. 

In early XXXX, I rented a vehicle from XXXX at the XXXX XXXX. Due to the impending XXXX XXXX, the desk clerk appeared overwhelmed, which may have contributed to significant errors in processing my rental agreement. Notably, the contract inaccurately identified me as the holder of a Texas drivers licensesomething I have never possessed. Despite this confusion, I provided my debit card for payment, which was swiped for an initial charge of {$310.00}. 

Upon returning the vehicle as scheduled, I heard nothing from XXXX for two months. To my shock, they later processed an unauthorized charge of nearly {$1000.00} against my account using the initial authorization from XXXX. This transaction was allowed to go through by my credit union on a locked debit card that does not permit overdraft protection, resulting in an overdraft of {$1000.00}. 

I promptly disputed this charge on XXXX XXXX day it was postedalerting my bank that my card had been compromised and that I had not authorized this transaction. However, rather than conducting a thorough investigation as mandated by Regulation E, my bank denied my claim within less than one day based solely on the presence of the card during the initial transaction. 

This response is not only contrary to federal guidelines but also factually incorrect. XXXX did not obtain any further authorization beyond the original swipe for {$310.00} ; thus, their attempt to charge me an additional amount XXXX months later is unfounded. The bank 's fixation on a minor detail while neglecting their obligation to investigate has compounded this issue. 

The failure of both XXXX XXXX and my credit union to uphold their responsibilities has caused me considerable financial harm and distress. It is imperative that these institutions be held accountable for their actionsor lack thereofand that I am reimbursed for this unauthorized charge. 

I respectfully request your intervention in ensuring that my credit union follows federal law by conducting a proper investigation into this matter and rectifying their error in allowing an unauthorized charge to post against my account. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in recovering my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Reporting on Credit Report I, XXXX : XXXX a Private American, and Secured Party am filing this complaint against Credit Acceptance Corp for their failure to comply with my rights under federal and state laws concerning the reporting of information on XXXX XXXX XXXX credit report. Specifically, the issues involve : 1. Potentially Negative Remarks : Inaccurate or unverified notations that undermine XXXX XXXX XXXX 's standing. 
2. Late Payments : Incorrect reporting of payments without adequate proof of delinquency.

3. Inquiries : Unlawful or unauthorized inquiries made without my explicit consent.

These remarks violate the protections afforded under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and the Uniform Commercial Code ( UCC ) principles related to security agreements and secured parties. 

1. A XXXX-1 Financing Statement has been filed No. XXXX, clearly establishing : XXXX : XXXX as the Secured Party, and XXXX XXXX XXXX as the principle debtor as subject to the security interest. 
2. A Private International Security Agreement exists, granting : XXXX : XXXX exclusive rights to the property referenced in the credit accounts. 
XXXX. These companies have failed to acknowledge or respect the security interest and agreement, thereby infringing on the protections established by the XXXX. 

- Violations - XXXX. Failure to Validate : These entities have reported unverified or incomplete information without providing proof of claim or validation of debt when requested, as required by 15 U.S.C. 1692g.

2. Improper Use of Credit Report : Reporting unverified late payments and inquiries constitutes a violation of my consumer rights under 15 U.S.C. 1681c.

3. Breach of Trust and Fiduciary Obligation : Failure to honor the UCC-1 filing and the Private International Security Agreement, which constitute a breach of trust and interference with my rights as a private American. 

- Potential Consequences for Noncompliance - Failure to act promptly and adequately will result in : - Filing additional complaints with regulatory authorities such as the Federal Trade Commission ( FTC ) and Attorney Generals Office. 
- Initiating legal proceedings for damages, including breach of trust and violations of federal and state laws. 
- Seeking equitable remedies to address these infringements.

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 2024-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 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 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 2024-12-31 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: SLM CORPORATION
State: CA

Complaint narrative:
Dear CFPB Representative, I sm writing to clarify that I did not request any information regarding the student loan in question, as I do not own this loan. I would appreciate your assistance in resolving this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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 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 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 2024-12-31 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: MI

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-31 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:
I have reviewed my credit report and noticed the reporting of a collection account by XXXX XXXX that is inaccurate. According to the Fair Credit Reporting Act, I am entitled to dispute any information that's believed to be erroneous. For clarity, I am under contractual agreement with this company and I have NOT given any consent to share my personal information. I have not provided my signature to conduct business with this company.

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 2024-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
Dear IQ Data International and XXXX, I am writing to dispute the validity and collection of the alleged debt associated with the above-referenced account, as well as its reporting on my credit file. While I acknowledge that proof of the debt with XXXX XXXX XXXX has been provided, the circumstances surrounding this debt render its collection and reporting invalid under Washington State and federal consumer protection laws. 

Legal Basis for Dispute Washington State Law ( RCW 59.18.650 ( 4 ) ( b ) ) : During the COVID-19 pandemic, I received financial assistance from XXXX XXXX to cover the majority of the rent owed to XXXX XXXX XXXXXXXX . Under Washington State law, landlords who accepted such funds were required to waive any remaining balance. The transfer of this debt to IQ Data International disregards these protections and violates tenants ' rights under state law. 

Assignment of Debt : While XXXX XXXXXXXX XXXX may have sold the account to IQ Data International, I did not agree to any relationship or contract with IQ Data International. The attempted collection of interest and fees on this account raises further legal concerns. 

Federal Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692 ) : IQ Data International is prohibited from using deceptive or unfair collection practices. The continued reporting of this debt to credit bureaus without proper validation violates my rights under the FDCPA. Additionally, I have not been provided evidence of a clear transfer of this debt from XXXX XXXX XXXX to IQ Data International. 

Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681 ) : I am disputing the accuracy of this debt 's reporting to XXXX and other credit bureaus. As the debt arose under questionable circumstances during a protected period, its collection and reporting are not valid. 

Actions Demanded IQ Data International : Immediately cease all collection activities and remove this account from all credit bureaus. Provide written confirmation that this account has been closed and will no longer be pursued. 

XXXX : Remove this account from my credit report and confirm in writing that the deletion has been completed. 

Provide documentation from both IQ Data International and XXXX to demonstrate compliance with all applicable laws. Failure to comply will result in complaints filed with the Washington State Attorney General 's Office. 


Please respond to this dispute within 30 days of receipt as required under the FDCPA and FCRA. If the matter is not resolved to my satisfaction, I reserve the right to take further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: IA

Complaint narrative:
It has come to my attention, my personal information has been exposed in nation data breach. After reviewing my credit reports, I noticed some accounts Im not familiar with. I have asked the CRAs for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt letter.

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 2024-12-31 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:
I am writing to address significant concerns regarding errors in my credit report. During my review, I identified multiple inaccuracies, including incorrect account listings, unauthorized inquiries, and accounts that do not belong to me. These errors are incomplete, inaccurate, and unfair, and they are negatively impacting my financial stability.

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 2024-12-31 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: GA

Complaint narrative:
I am writing to address significant concerns regarding errors in my credit report. During my review, I identified multiple inaccuracies, including incorrect account listings, unauthorized inquiries, and accounts that do not belong to me. These errors are incomplete, inaccurate, and unfair, and they are negatively impacting my financial stability.

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 2024-12-31 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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief