vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
To Whom It May Concern, I write to lodge a formal complaint against XXXX XXXX, Mortgage Loan Officer ( NMLSR # XXXX ) at Truist Bank, for willfully violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 etseq., by pulling my credit report without my explicit, informed consent. 

Facts & Misconduct On XX/XX/year>, I asked XXXX XXXX in writing and via textthat no hard inquiry be made on my credit report without my prior, express authorization. 

XXXX XXXX unequivocally replied : Ok sounds good. Ill be sure to discuss with you before I pull. 

Immediately after I just submitted my basic information, and without any further discussion or consent, XXXX XXXX initiated a hard pull. I only learned of this when XXXX notified me. 

XXXX XXXX unauthorized action has already harmed my credit score. When confronted, he ignored my protest and later cited my visa status as the reason the loan could not proceedwithout apology or remedy.

Legal Violations 15 U.S.C. 1681b ( a ) ( 2 ) ( Permissible Purposes ) : A consumer reporting agency may furnish a credit report only in accordance with the written instructions of the consumer. XXXX XXXX had no such written authorization at the time he pulled my credit. 

15 U.S.C. 1681b ( f ) ( Consent ) : Any hard inquiry requires the consumers written instructions, which must be signed by the consumer. Text assurances alone do not satisfy the FCRAs requirement for written instructions to authorize a hard pull. 

Willful NonCompliance ( 15 U.S.C. 1681n ) : A willful violation of the FCRA entitles the consumer to statutory damages ( up to {$1000.00} ), actual damages, and attorneys fees. By promising to obtain my consent and then deliberately ignoring that promise, XXXX XXXX conduct was knowing and reckless. 

Requested Relief Immediate removal of the unauthorized hard inquiry from all credit reporting agencies and full restoration of any credit-score damage. 

A formal, written apology from XXXX XXXX and Truist Bank acknowledging the breach of FCRA and the harm caused. 

A thorough CFPB investigation into Truist Banks policies and training to ensure compliance with FCRA 1681b and to prevent further unauthorized credit pulls. 

Notification of any corrective actions taken by Truist Bank, including disciplinary measures against XXXX XXXX and any consumer redress programs. 

I reserve all rights under the FCRA, including to seek statutory and actual damages, injunctive relief, and attorneys fees. Thank you for your prompt attention to this serious matter. 

Sincerely,

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On the date that I signed a contract for this vehicle- which was in XXXX of XXXX I was told by the salesman and the dealership owner XXXX that I had a lifetime warranty for the vehicle before signing the contract. This made me hopeful to keep this vehicle long term. Come to find out the lifetime warranty is under the original owners name and was previously used fraudulently by the dealerships shop to fix the engine in XXXX of XXXX. The engine work did not suffice and the same issue starting happening just a month later. Now the car does not work and the engine seized up. I let XXXX  know this and they do not care. Their response is well its your responsibility to make payment regardless. I am cooperating with a detective who has been investigating this dealership owner since XXXX due to fraud and tricking consumers. The XXXX XXXX is also investigating him for this. Yet Experian refuses to dispute the account. The XXXXXXXX XXXX XXXX XXXX XXXX case # is XXXX and the detectives number is 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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-11 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: NC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-04-11 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: NC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

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 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 2025-04-11 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: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX for reporting conflicting and unverified information to both Equifax and Experian. I previously submitted disputes to both credit bureaus and requested deletion under FCRA 1681i and Metro 2 compliance standards. 

Despite those disputes, the account remains inaccurately reported and unresolved. 

Disputed Account Details : Creditor : XXXX XXXX Account type : Installment Unsecured Date opened : XX/XX/XXXX Date of last activity : XX/XX/XXXX Account status ( both ) : Closed Collection or Charge-off Experian Reporting : Balance : {$4800.00} High balance : {$3500.00} Date reported : XX/XX/XXXX Remarks : Unpaid balance reported as a loss by XXXX XXXX Last verified : XX/XX/XXXX XXXX Reporting XXXX Balance : {$3900.00} High balance : Not listed Date reported : XX/XX/XXXX Remarks : Charged off account Last verified : XX/XX/XXXX Dispute Summary : The reported balances are not consistent between Experian and Equifax ( {$4800.00} vs. {$3900.00} ). 

The status of charge-off is disputed, as no proof or creditor documentation has been provided. 

The high balance on Experian is lower than the reported balance, which is contradictory and misleading. 

There is no documented proof of validation from either bureau or XXXX XXXX. 

I have requested evidence of permissible purpose and original creditor documentation, but have received nothing in return. 

These errors continue to impact my financial profile, making it difficult to obtain credit or favorable terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute and request the immediate removal of fraudulent items from my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair and Accurate Credit Transactions Act ( FACTA ). 

I am a victim of identity theft and have discovered the presence of inaccurate, unauthorized accounts on my credit report. These items were not opened or authorized by me, and I am not responsible for any debts incurred in connection with them. Enclosed, you will find the documentation supporting my claim, including : A copy of my government-issued ID A copy of my Identity Theft Report, as defined by 15 U.S.C. 1681a ( q ), which includes an ID theft report filed with the FTC on XX/XX/year>. 

These accounts are in direct violation of my rights under the FCRA, which states under 15 U.S.C. 1681c-2 : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft According to the FCRA, once a valid Identity Theft Report is received, you are legally obligated to block and remove the fraudulent information from my credit file within four ( 4 ) business days. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information in a consumers file is found to be inaccurate or incomplete, the credit reporting agency must promptly delete or modify that item. 

I am also asserting my rights under the FACTA Identity Theft Provisions ( Public Law 108-159 ), which further empower consumers to dispute fraudulent accounts and mandate that credit bureaus and furnishers of information conduct proper investigations and promptly correct or delete such information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am filing this complaint regarding a charged-off account that is being inaccurately reported by Transworld SYSTEM INC across the credit bureaus. After reviewing my credit reports, I have identified several issues that raise serious concerns and warrant immediate investigation and deletion of the account. 

Details of the issues include : XXXX. Inconsistent reporting The account reflects different date opened and last activity dates across XXXX, XXXX, and XXXX, which calls the accuracy of the data into question. 
XXXX. Missing payment history The tradeline shows no actual payment history, making it impossible to verify the accounts legitimacy or payment patterns. 
XXXX. Charge-off with no XXXX issued This account is being reported as a charge-off, yet I have not received a Form XXXX as required by the IRS when a debt is canceled or forgiven XXXX 
XXXX. Reporting an unpaid balance Despite being charged-off, the account is still reporting a balance owed. A charged-off debt should either be settled or transferred to collections, not continue to accrue or report an unpaid amount without clarification. 
XXXX. Dispute notation I did not initiate The account is flagged with a consumer disputes this account remark, even though I never filed a dispute regarding this account until now. This raises concerns about potential identity theft or unauthorized access to my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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