vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 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.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Terrill Outsourcing Group
State: WA

Complaint narrative:
-called and set up payment arrangement XXXX XXXX XXXX XXXXXX/XX/year> I was getting paid to a different account -called XX/XX/year> to ask if payment had been returned to provide new payment information, was advised no -called XX/XX/year> to ask if payment has been returned to provide new payment information was advised no XXXX I had to make arrangements to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called my place of employment while I had the day off to XXXX  my pet dog and told my co worker who she worked for and was calling from with the specific number for XXXX They were able to simply look up what this company was and the phone number provided. 
This call was recorded by my place of employment since it was an inbound call. 
XXXX I have made several attempts to contact XXXX XXXX who will not accept my calls to request them to not call. 

They broke FDCPA and violated my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: MI

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 2025-03-07 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: MI

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 explanation
Consumer complaint received 2025-03-07 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: IL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Account : 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 2025-03-07 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: MD

Complaint narrative:
I am writing to file a complaint regarding the denial of my identity theft claim by XXXX XXXX XXXX. I have submitted all the necessary supporting documentation to prove that the account in question was opened under fraudulent circumstances and without my consent. 

Despite providing clear evidence, XXXX XXXX XXXX has unjustly denied my claim, and this fraudulent account remains on my credit report. The presence of this account is causing significant harm to my financial standing and creditworthiness.I respectfully request that XXXX XXXX XXXX conduct a thorough re-investigation into this matter, review the supporting documentation, and delete the fraudulent account from my credit file immediately. 

Please assist me in ensuring that this matter is resolved promptly and that my rights are protected.

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 2025-03-07 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding incorrect information on my credit report as reported by your agency which are XXXX, XXXX, and Equifax. I have identified multiple late payments attributed to my accounts with XXXX XXXX, XXXX XXXX and the XXXX XXXX XXXX I have already contacted each of these lenders, and they have advised me to reach out to you to have these inaccuracies corrected. 

Under the provisions of the Fair Credit Reporting Act, specifically 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless they have implemented reasonable procedures to ensure that periodic statements are provided to the consumer at least 21 days before the payment due date. Additionally, according to 15 USC 1681i, no person shall furnish information relating to a consumer to any credit reporting agency if they know or consciously avoid knowing that the information is inaccurate. 

Despite my previous correspondence with your bureau regarding these inaccuracies, the late payments remain on my credit report, adversely affecting my credit score and hindering my ability to secure housing for my family. I am requesting that you promptly investigate this matter and remove these erroneous late payment entries from my credit report. 

If this issue is not resolved in a timely manner, I will have no choice but to pursue further action, including filing a lawsuit against your bureau for the reporting of inaccurate information on my credit report. 

Thank you for your attention to this matter. I expect a prompt response and resolution to my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: IN

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-07 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


Accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-07 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: PA

Complaint narrative:
I'm writing this statement to delete the following information in my file. The items to be deleted are listed in the attached report. I am a victim of identity theft and did not make these charges. I request that the items be deleted to ensure my credit report is correct. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these fraudulent items as soon as possible.

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 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
on XX/XX/XXXX I received a text that says Chime Security : Attempt to make a purchase for {$220.00} at XXXX on XX/XX/XXXX Reply YES or NO. XXXX XXXX XXXX XXXX XXXX XXXX. To opt out, reply STOP. I texted back no ; I then received a text that says Thanks for confirming your transaction you'll receive a call shortly. XXXX XXXX XXXX XXXX XXXX XXXX. To opt out, reply STOP. About XXXX minutes later I received a call from the same number that text XXXX. The guy gave me a name and a operator number, asked me to confirm the last XXXX of my social, then proceeded to tell me that not only someone had attempted to use my card at XXXX, but someone also logged into my account and transferred {$1400.00}, they were going to cancel my card and put a regional block on my account. They had me log into my app, and they took me through steps to " reverse '' the money back into my account. Giving me instructions to put in ... XXXX ... and that would reverse the money back into my account. He said don't try to log into my account until XXXX hours have past otherwise Chime 's system would detect it as fraud and close my account. I waited until the next morning, logged in and all of my money except {$86.00} was gone. I then called the number back that called me, it said the number was invalid. I then called Chime 's customer service number and asked where my money was, they didn't know what I was talking about. I explained what happened and they said it looks like I've been a victim of scam. They told me I needed to dispute the charges, I did. XXXX days later I received a denial of my claim letter. I called Chime 's customer service to inquire, the lady I spoke with couldn't give me a reason. She said I could appeal it, and it would look better if I had some sort of proof. She sent me a link to upload proof. I sent the screenshots of the text messages I received, the number that called, a police report I filed as well as an XXXX report that the police advised me to file. 3 days later they are still denying my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX to arrange high-speed internet service for XXXX XXXX, XXXX. I was transferred to XXXX XXXX XXXX XXXX ( Representative Code : XXXX ), who sent me an electronic contract to sign. The contract, effective from XX/XX/XXXX, for 24 months, locked in the monthly rate at {$120.00}, with a one-time installation fee of {$120.00}. The service was installed successfully on XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX. On XX/XX/XXXX, I made my first payment of {$260.00}, which included the monthly fee and installation ( Confirmation Number : XXXX ). 

Due to a planned relocation, I contacted XXXX XXXX again on XX/XX/XXXX, and spoke with Sales Representative XXXX XXXX ( Representative XXXX : XXXX ). He arranged a service overlap to ensure uninterrupted internet during the move, with a new temporary address at XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX. The installation at the temporary address was completed on XX/XX/XXXX, ahead of schedule. However, issues arose when I attempted to transfer the service to my permanent address at XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX. Despite signing a new contract on XX/XX/XXXX, the installation was delayed due to infrastructure issues, and I was charged an additional {$120.00} installation fee and a higher monthly rate of {$130.00}. 

On XX/XX/XXXX, I scheduled installation at the new address for XX/XX/XXXX. However, my service was abruptly suspended, causing significant disruption to my work. Despite multiple calls to XXXX, the issue remained unresolved, and I was not compensated for the downtime. Additionally, I discovered that two accounts were active simultaneously, leading to further confusion and incorrect charges. I returned all equipment to an Xfinity store ( XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ) and provided receipts, yet XXXX continued to claim the equipment was not returned. 

On XX/XX/XXXX, I received an email from Sequium, a debt collection agency, demanding {$1100.00}. XXXX XXXX denied knowledge of this charge and refused to address the issue. I am reporting XXXX XXXX and XXXX for fraudulent practices, including unauthorized charges, miscommunication, and failure to resolve service issues. I have documented evidence, including contracts, payment confirmations, emails, and recorded calls, to support my claims. I demand accountability for the financial and reputational damage caused by their actions.

Company response to consumer: Closed with non-monetary relief