vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: MI

Complaint narrative:
These agencies have shown a pattern of negligence and willful noncompliance by allowing these unauthorized items to persist. This behavior is reckless, harmful, and a clear violation of your obligations under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX XXXX ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have been reaching out to this company asking for proof this is my account they have yet to send any information I requested to prove that this is my account such as a copy of my drivers license and ssi card this account is fraud and I have no knowledge of this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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 complaint regarding the XXXX XXXX account ( Account Number : XXXX ) on my credit report, which reflects a significant violation of the Fair Credit Reporting Act ( FCRA ). 

Failure to Provide Reinvestigation Details : Upon my dispute of the information reported for this account, I requested a detailed explanation of the reinvestigation process as mandated by 15 U.S.C. 1681i ( a ) ( 6 ) of the FCRA. The credit reporting agency has failed to provide this essential information within the required timeframe. This omission prevents me from understanding how the investigation was conducted and what findings were made, undermining my right to a fair and accurate credit report. 

Given this failure to comply with federal law, I am requesting the immediate deletion of this account from my credit report. I also urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this violation to ensure adherence to the FCRA. 

Thank you for your attention to 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-08 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: WA

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: MS

Complaint narrative:
Shellpoint bought my home loan from XXXX XXXX XXXXXXXX in XXXX. They sent a letter stating XXXX  XXXX XXXX is the owner of the loan. Ive been making payments to Shellpoint. XXXX  XXXX XXXX has closed my loan. Shellpoint has undisclosed policies. They took my payment and put it towards the home principal without disclosing the information. The situation was in a previous complaint. Please review the previous complaint against Shellpoint.

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 2025-01-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Unauthorized Inquiries under 15 U.S.C. 1681b To whom it may concern : I am writing to formally request the removal of unauthorized inquiries that appear on my credit report managed by Experian. After carefully reviewing my credit report, I have identified inquiries that were made without my explicit consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b.

Pursuant to the provisions of the FCRA, a consumer reporting agency may only furnish a credit report under specific circumstances, such as when a creditor has a permissible purpose to access my report. I believe that some of the inquiries listed on my report do not meet these criteria. 

I respectfully request the following : A thorough investigation into the listed inquiries to determine whether they were authorized by me or made with a permissible purpose.

Immediate removal of any unauthorized or impermissible inquiries from my credit report if they are found to lack proper authorization.

Written confirmation of the results of your investigation and any actions taken as a result of this request.

Attached to this letter, you will find a copy of my government-issued identification and proof of address to facilitate your verification process. 

I trust that Experian will handle this matter in compliance with applicable federal laws to ensure the accuracy and integrity of my credit report. Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) This section of the Fair Credit Reporting Act outlines the permissible purposes for which a consumer reporting agency may provide a consumer report. These purposes include : In response to a court order or subpoena. 

For use in connection with a credit transaction initiated by the consumer. 

For employment purposes, with the consumer 's written consent. 

For insurance underwriting purposes. 

Any inquiry made outside of these permissible purposes constitutes a violation of the FCRA and must be removed from the consumer 's credit report if challenged.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have sent several letters to your XXXX XXXX ( XXXX - XXXX XXXX ) ACCOUNT XXXX and EXPERIAN company dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to request that these items be removed if not validated by the furnisher. Nothing has been done by the furnisher or credit bureaus neither have I received any correspondence from them. 

I also requested that these inquires are removed as according to the FCRA LAW, I did not give these companies permission to pull my credit. 
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 XXXXXX/XX/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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion has inaccurately reported a medical account under the name " XXXXXXXX XXXX XXXX XXXX XXXX XXXX '' with account number XXXX on my credit report. This account includes sensitive medical information, and its reporting constitutes a violation of the Health Insurance Portability and Accountability Act ( HIPAA ), as no written consent was provided to disclose or repo

rt this information. Additionally, this account was not properly verified in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Despite the legal requirements, TransUnion has failed to ensure maximum accuracy in reporting and to conduct an appropriate investigation into my dispute. This negligence has caused harm to my credit profile and financial standing.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Car was totaled and paid off by insurance months before acct was closed continued to say I owed after loan was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
These agencies have shown a pattern of negligence and willful noncompliance by allowing these unauthorized items to persist. This behavior is reckless, harmful, and a clear violation of your obligations under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/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 2025-01-08 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:
Fraudulent accounts have been add to my consumer report without my knowledge

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 2025-01-08 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 2025-01-08 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: IL

Complaint narrative:
Hello, I am requesting an investigation into these accounts, as there appears to be confusion regarding their accuracy on my credit report. These accounts were previously removed but have been re-added without my awareness. I was not notified of their reinstatement and have not received any mail correspondence about this issue.

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 2025-01-08 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: SCA Collections, Inc.
State: SC

Complaint narrative:
I have opened a complaint against this company for 2 accounts that have been responded to by the company showing this is not my account but a person with a similar name, but different middle name than mine, and an address that I have never occupied or had knowledge of. Now that I have filed a complaint, they are reporting again with an additional account. All accounts have not been able to be validated and show they are not my accounts. This seems to be an ongoing issue and now that a complaint has been filed, it seems like a retaliation for me to have to address disputing another account that is not mine. I have disputed multiple times and they refuse to correct this issue. This is in violation of the FDCPA and legal action can be taken

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I requested a credit report. Experian directed me to create an account online ( I had already had XXXXXXXX XXXX XXXX ). After I had completed all the steps Experian told me they weren't able to verify my identity online and that I should either call them ( so that a *company representative* could verify my identity ) or mail them proof of my identity. I called them and went through all of the steps with the automated assistant. The automated assistant then told me that I should either go online or request a credit report by mail. While there is still the mail option, this is a glaring flaw in their system. A concerned customer should be able to speak to a representative about getting their credit report when Experian directs them to call and speak to a representative. I will note that other credit agencies such as XXXX allowed me to speak to a representative.

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 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute the account information reported to my credit file by XXXX XXXX XXXX in the amount of {$720.00}, which is stated to have been opened on XX/XX/XXXX. This account was neither opened nor authorized by me, and its appearance on my credit report constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

To provide context, I have been closely monitoring my credit report following the widespread Equifax data breach. As a precaution, I locked all my credit reports in XX/XX/XXXX, ( Equifax, XXXX, and XXXX ) ensuring that no new accounts could be opened or reopened without my explicit approval. It is troubling to discover that this account was either fraudulently created or reopened without my consent. 

Under the FCRA, my rights as a consumer have been violated due to the unauthorized activation of my locked accounts. I did not grant permission for this activity, nor was I informed of any attempt to bypass the security measures I placed on my credit files. This incident reflects a failure to adhere to proper protocols and safeguards. 

I have reported this fraudulent activity to the appropriate authorities, including Equifax, and I request that XXXX XXXX XXXX promptly : Remove the inaccurate account information from my credit file. 

This situation has unfairly impacted my credit standing and subjected me to unnecessary stress and inconvenience. I expect this issue to be resolved promptly and in accordance with federal regulations. Failure to address this matter appropriately may result in further actions to protect my rights as a consumer. 

Please confirm receipt of this dispute and provide a timeline for your investigation and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief