vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 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: CA

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of a bankruptcy on my credit report by Equifax. I disputed this information, and Equifax responded by stating that it had been verified through XXXX. However, I have obtained my XXXX report, and there is no record of a bankruptcy. 

Additionally, I contacted the bankruptcy court, and they confirmed that they do not verify or validate bankruptcy information for credit reporting purposes. Therefore, Equifax is reporting this bankruptcy erroneously. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under sections 1681e ( b ) and 1681i, which require credit reporting agencies to follow reasonable procedures to assure maximum accuracy of the information reported and to properly investigate disputes. Equifax has failed to meet these standards by not conducting a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 explanation
Consumer complaint received 2024-09-18 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a fraudulent account on my credit report, which I reported to CITIBANK, yet CITIBANK is not removing this fraudulent account. CITIBANK has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet CITIBANK has refused to do this. The following is the fraudulent account : CITIBANK / 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 non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services
State: PA

Complaint narrative:
I did not authorize this creditor to report anything on my credit report. It is illegal to report late payment on a consumer credit report and this alledged creditor should be held liable. Please see : Gorman V.

Wolpoff & Abramsaon*. Supreme Court I demand the repossession and all late payments be deleted from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: IL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 explanation
Consumer complaint received 2024-09-18 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: OK

Complaint narrative:
Requested a copy of my free annual credit report was shocked to see what was on it its causing me great stress that I cant buy a home for me and my family because of incorrect information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the re-insertion of accounts on my credit report that were previously disputed and deleted. The account have been reinserted without the proper notification or communication as required under the Fair Credit Reporting Act ( FCRA ), specifically, 15 U.S.C. 1681i ( a ) ( 6 ), which mandates that a consumer reporting agency must notify me when an item is reinserted into my credit report.

Furthermore, I believe this action may violate my rights under 15 U.S.C. 1681b, which requires that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy. For your reference, I have attached a partial copy of my credit report showing the erroneous account that has been reinserted. I kindly request that the CFPB investigate this matter to ensure compliance with these regulations and to uphold my rights as a consumer. I appreciate your attention to this issue and look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 2024-09-18 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: IL

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: Kovo
State: TX

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: NY

Complaint narrative:
Subject : Urgent Assistance Needed : Violation of Consumer Rights under Section 807 of the FDCPA Dear Consumer Financial Protection Bureau, I am writing to formally dispute the reporting of my accounts with Subject : Urgent Assistance Needed : Violation of Consumer Rights under Section 807 of the FDCPA Dear Consumer Financial Protection Bureau, I am writing to formally dispute the reporting of my accounts with XXXX  XXXX XXXX XXXX XXXX XXXX Despite my repeated disputes, the furnishers continue to assert that these accounts meet the Fair Credit Reporting Act ( FCRA ) standards, which they clearly do not. 

Section 807 of the Fair Debt Collection Practices Act ( FDCPA ) prohibits the use of any false, deceptive, or misleading representation in connection with the collection of any debt12 The furnishers actions are in direct violation of this section as they have failed to accurately report the status of my accounts, thereby misleading the credit reporting agencies and causing significant harm to my creditworthiness. 

I am in urgent need of your assistance as these inaccuracies are severely impacting my financial stability. The furnishers refusal to correct these errors is a blatant violation of my consumer rights under the FCRA. 

I respectfully request that the CFPB intervene to ensure that these furnishers comply with the legal standards and correct the misinformation on my credit report. 


Thank you for your prompt attention to this matter. 


Despite my repeated disputes, the furnishers continue to assert that these accounts meet the Fair Credit Reporting Act ( FCRA ) standards, which they clearly do not. 

Section 807 of the Fair Debt Collection Practices Act ( FDCPA ) prohibits the use of any false, deceptive, or misleading representation in connection with the collection of any debt12 The furnishers actions are in direct violation of this section as they have failed to accurately report the status of my accounts, thereby misleading the credit reporting agencies and causing significant harm to my creditworthiness. 

I am in urgent need of your assistance as these inaccuracies are severely impacting my financial stability. The furnishers refusal to correct these errors is a blatant violation of my consumer rights under the FCRA. 

I respectfully request that the CFPB intervene to ensure that these furnishers comply with the legal standards and correct the misinformation on my credit report. 


Thank you for your prompt 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 non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
claiming to be a company called " XXXX '' and that i am being sued to a debt owed to citi financial. i've never had an account with them. the number they called from was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: MA

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD A FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, IT'S HURTING MY ABILITY TO OBTAIN CREDIT. 

PLEASE REMOVE THIS FRAUDULENT ACCOUNT, THANKS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JNR Adjustment Company, Inc
State: CA

Complaint narrative:
XXXX, I was in an accident, in Rhode Island , in a rental car from XXXX XXXX. The claim was submitted immediately to my insurance carrier, XXXX XXXX. On XXXX, XXXX XXXX paid {$8600.00}. XXXX disputed this and it went to arbitration. On XX/XX/year>, XXXX XXXX paid out an additional {$120.00}. On XX/XX/year>, I received a bill from JNR Adjustment Company, that states that I owe them {$6600.00}. No reason stated. It does state that I was not charged interest and I was not charged fees. On XX/XX/year>, I submitted this collection bill to XXXX XXXX. Today, XXXX XXXX informed me that my policy doesnt cover loss of use and Admin fees. The problem? There is no explanation what the fees are especially when the bills no fees were charged. Also, loss of use is expected in an accident. How is this determined? Is the loss of use because of the time it took XXXX XXXX and XXXX XXXX to work out a deal? Why is this debt being passed on the consumer? I have filed an email dispute with JNR. I believe this debt is deceptive, wrong, unfair, and illegal. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX and their collection Agency Credence claim I opened a XXXX XXXX XXXX XXXX account that I did not. Initially I thought maybe someone in my family living with me might have opened the account. After reviewing the numbers associated on the account I dont recognize any of the phone numbers of my family ever having. In XXXX I went to XXXX  and during that time my storage unit was broken into. My ID, social security card, birth certificate, bank statements, past credit reports were all in a file among everything else that was stolen. While in XXXX accounts were opened with XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX, and XXXX. My brother was able to get all of them handled and closed. I left XXXX in XXXX of XXXX and was in the middle of the COVID pandemic. I was just trying to get on my feet and hadnt even concerned myself with my credit. Then in XXXX my father was placed in XXXX so I was there with him until he passed away in XXXX. The month after that my nephew XXXX in a XXXX XXXX, and a month later my brother passed away due to a XXXX XXXX I lost almost all my family within 3 months with only one nephew left in my family. In XXXX of XXXX I failed a XXXX XXXX and violated my XXXX  and was XXXX XXXX XXXX XXXX and spent most of that time at the XXXX XXXX XXXX XXXX. When I was XXXX in XXXX of XXXX I again was just trying to survive without a support system. In XXXX of XXXX I went through to the police station in XXXX to report my cell phone stolen by hat had been snatched from my hand and then they took off running. I was then arrested for insurance fraud from a fraudulent claim that was filed under my name all ofn much happened while I was XXXX. I spent 4 months waiting for a XXXX XXXX  and was XXXX in XXXX. Around XXXX was when accessed my credit report and seen someone had been using my credit for years. I was even provided a copy of a Drivers License with my DL number and name however the picture, height, and weight are not mine. They used this to rent a car at XXXX and get a car at XXXX of XXXX. I provided XXXX XXXX XXXX this along with police reports, a FTC Idenity theft report and a signed Idenity theft affidavit. Both times they sent me a email that say the thoroughly investigated and determined I am responsible for the account without providing and verification of the account or details of their investigation as required by law. I am now filing this complaint because I should not be responsible for an account I did not create. I am also forwarding this complaint to each credit bureau to have the information blocked from my reports because without providing me with verification plus proof of investigation it would be illegal for the credit bureaus to report this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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