vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: LA

Complaint narrative:
TRANSUNION HAS INACCURATE REPORTS THAT DO NOT ALIGN WITH THE OTHER CREDIT BUREAU AND HERE I HAVE THE PDF OF THE REPORTS THAT ARE INACCURATE AND I NEED THIS TO BE REMOVED FROM MY CREDIT IMMEDIATELY UNDER SECTION CODE 605B

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : XXXX ( XXXX ) XXXX : XX/XX/year> Dispute Department Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Inquiry on My Credit Report Dear Equifax Dispute Department : I am writing to dispute an unauthorized inquiry that appears on my credit report. According to 15 U.S.C. 1681b, credit reporting agencies are only allowed to provide consumer reports for specific and permissible purposes. This law protects consumers from unauthorized inquiries that may negatively impact their credit scores.

I have identified an inquiry on my credit report that I do not recognize or authorize. This inquiry does not meet the permissible purposes outlined in the aforementioned law and must therefore be removed from my credit report. This unauthorized inquiry could be unjustly damaging my credit history.

I request that you investigate this unauthorized inquiry and remove it from my credit report. I have attached a copy of my credit report with the disputed inquiry highlighted for your reference.

According to 15 U.S.C. 1681b, a credit reporting agency may only share my report under the following permitted circumstances : In response to a court order.

With my prior written consent.

In connection with the extension of credit, employment, or insurance, provided that I initiated the transaction.

If the disputed inquiry was not conducted under any of these conditions, it must be removed immediately. I request a written response confirming the removal of the unauthorized inquiry.

I look forward to your prompt attention to this matter. Please do not hesitate to contact me if you need any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681b Permissible Purposes of Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines the circumstances under which a credit reporting agency may provide a consumer report. The permissible purposes include : In response to a court order.

With the consumer 's written consent.

In connection with the extension of credit, employment, or insurance, provided that the consumer initiated the transaction.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-13 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:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report issued by Experian. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a thorough and fair investigation of disputed information. However, it has come to my attention, reinforced by the Consumer Financial Protection Bureaus ( CFPB ) lawsuit against Experian, that your dispute process may not comply with these legal obligations.

Disputed Account ( s ) : Creditor Name : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute Reason : Account Not Mine/ Inaccurate info Despite submitting valid documentation on XXXX XXXX, Experian failed to conduct a proper investigation and did not correct the inaccurate information. I am concerned that my dispute was mishandled, similar to the practices outlined in the recent CFPB lawsuit, which alleges that Experian engaged in " sham investigations '' and improperly reinserted disputed information without proper notice.

Attached Supporting Documents : A copy of my Experian credit report with the disputed account ( s ) highlighted.

Copies of previous dispute letters sent to Experian.

Documentation supporting my dispute ( e.g., payment confirmation, identity theft report, correspondence with creditor ).

Action Requested : A full and lawful investigation into the disputed item ( s ) in accordance with the FCRA.

Immediate correction or removal of inaccurate information from my credit report.

Written confirmation of the investigation results and actions taken.

Please note that under the FCRA, Experian is obligated to complete the investigation within 30 days and provide me with the results in writing. If you fail to resolve this dispute appropriately, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider pursuing legal action to enforce my rights. 

Thank you for your prompt attention to this matter. I expect a timely and accurate resolution. Please contact me at XXXX for any further information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX of 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: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have been with GS BANK USA for a long time, and I have always appreciated the good value and service I have received from GS BANK USA. Recently I checked my credit report and noticed a mistake. I was devastated to see a late payment show up. Surely this must be a mistake. I need this to be remove as it's affects my credit worthiness.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/XXXX was my recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record!

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point.

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint to report Experian 's repeated failure to comply with federal laws under the Fair Credit Reporting Act ( FCRA ) and its obligations as outlined in 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681i ( 5 ), and 15 U.S.C. 1681c ( c ). My rights as a consumer have been violated, and Experian 's negligence in handling my disputes has negatively impacted my credit profile, financial stability, and access to opportunities.

Background Information : I have been actively working to repair my credit and have sent multiple dispute letters to Experian, challenging inaccuracies and unauthorized entries on my credit report. Despite providing clear evidence, Experian has failed to comply with its statutory duties, including : Failure to ensure accuracy ( 15 U.S.C. 1681e ( b ) ) : Experian continues to report inaccurate and outdated information, disregarding its obligation to maintain the maximum possible accuracy in consumer reports.

Failure to properly investigate disputes ( 15 U.S.C. 1681i ( 5 ) ) : Experian conducts superficial investigations, often sending automated or generic responses that do not address the issues raised in my disputes.

Failure to correct or delete inaccurate information ( 15 U.S.C. 1681s-2 ) : Experian has failed to delete or correct clearly erroneous information, despite being provided with supporting documentation.

Reinsertion of previously removed items ( 15 U.S.C. 1681c ( c ) ) : In some instances, items that were previously removed have been reinserted without proper notice or justification.

Recent Developments : I recently became aware of the CFPBs lawsuit against Experian titled CFPB Sues Experian for Sham Investigations of Credit Report Errors. The lawsuit highlights systemic issues in Experians dispute resolution processes, including : Failing to properly investigate consumer disputes.

Allowing errors to persist on credit reports despite evidence.

Reinserting errors on reports without notifying consumers.

These practices align with my own experiences and demonstrate a pattern of harm to consumers like me, as Experians actions ( or lack thereof ) have jeopardized my access to credit, employment, and housing.

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 card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was struggling to pay my minimum payments in XXXX and XX/XX/XXXX. I called the end of XX/XX/XXXX to ask that they cancel the credit card. They told me they would. Since then I have called in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking them why they are charging me late payment fees and interest on an account I ask them to close. I spoke with them and told them the {$170.00} is all their fees I wouldn't have if they closed the account like I ask in XX/XX/XXXX. 

They told me today they will not close it and that they will continue assessing me late payment fees and interest going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
On XXXX XXXX I received a collection notice from Credit Collection Service in the amount of {$160.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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:
I am writing to formally request the removal of fraudulent information from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). This request stems from my unfortunate experience as a victim of identity theft, which has resulted in inaccurate and damaging information being reported on my credit profile. Below is a summary of the actions I have taken to address this matter and the persistent issues I continue to face : 1. Discovery of Fraudulent Accounts : After my divorce, which was finalized over a year ago, I discovered that several fraudulent accounts had been opened in my name and were being reported on my credit profile. I confirmed with my ex-husband that he did not open these accounts using my information.

2. Initial Steps Taken : o In XXXX XXXX I immediately placed a freeze on my credit account and added a statement to my file indicating that I am a victim of identity theft. 
o I filed a report with the Consumer Financial Protection Bureau ( CFPB ) documenting the fraudulent accounts and also filed a police report to support my claim. 

XXXX. Notifications to Creditors and Credit Bureaus : o In XXXX XXXX I sent formal letters to XXXX XXXX and XXXX XXXX notifying them that I am a victim of identity theft. XXXX XXXX removed the fraudulent accounts from my credit profile. However, XXXX XXXX failed to do so. 
o On XXXX XXXX XXXX  I mailed letters to all three major credit bureaus ( XXXX, XXXX, and TransUnion ), informing them of my identity theft situation. I included copies of my CFPB report, police report, and the letters sent to the collection agencies. In these communications, I formally requested the removal of the fraudulent accounts from my credit profile under FCRA regulations. 

XXXX. Ongoing Issues : o Despite my efforts, I recently received a notification that another fraudulent collection account was added to my credit report. I disputed this information online with XXXX, providing copies of my police report, CFPB report, and a letter stating that I am a victim of identity theft. 
o To my surprise, I received notification from the credit bureau that the debt from a company call XXXX XXXX was verified as valid. I have never had any dealings with LVN Fundings or The Bureaus, yet these accounts remain inaccurately reported on my credit profile.

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 2025-01-13 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 am writing to formally request the removal of fraudulent information from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). This request stems from my unfortunate experience as a victim of identity theft, which has resulted in inaccurate and damaging information being reported on my credit profile. Below is a summary of the actions I have taken to address this matter and the persistent issues I continue to face : 1. Discovery of Fraudulent Accounts : After my divorce, which was finalized over a year ago, I discovered that several fraudulent accounts had been opened in my name and were being reported on my credit profile. I confirmed with my ex-husband that he did not open these accounts using my information.

2. Initial Steps Taken : o In JXXXX XXXX I immediately placed a freeze on my credit account and added a statement to my file indicating that I am a victim of identity theft.

o I filed a report with the Consumer Financial Protection Bureau ( CFPB ) documenting the fraudulent accounts and also filed a police report to support my claim.

3. Notifications to Creditors and Credit Bureaus : o In XXXX XXXX I sent formal letters to XXXX  XXXX and XXXX Fundings, notifying them that I am a victim of identity theft. XXXX XXXX removed the fraudulent accounts from my credit profile. However, XXXX XXXX failed to do so. 
o On XXXX XXXX XXXX I mailed letters to all three major credit bureaus ( XXXX, Experian, and XXXX ), informing them of my identity theft situation. I included copies of my CFPB report, police report, and the letters sent to the collection agencies. In these communications, I formally requested the removal of the fraudulent accounts from my credit profile under FCRA regulations. 

XXXX. Ongoing Issues : o Despite my efforts, I recently received a notification that another fraudulent collection account was added to my credit report. I disputed this information online with XXXX, providing copies of my police report, CFPB report, and a letter stating that I am a victim of identity theft. 
o To my surprise, I received notification from the credit bureau that the debt from a company call XXXX XXXX was verified as valid. I have never had any dealings with LVN Fundings or The Bureaus, yet these accounts remain inaccurately reported on my credit profile.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

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 2025-01-13 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: FL

Complaint narrative:
Too many Unidentifiable hard inquiries on my credit report. 
Unrecognizable collection reports.

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 2025-01-13 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: FL

Complaint narrative:
Too many Unidentifiable hard inquiries on my credit report. 
Unrecognizable collection reports.

Company response to consumer: Closed with non-monetary relief