vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
Subject : CREDENCE RESOURCE MANAGEMENT To Whom It May Concern, I am writing to dispute the account listed below, which appears on my credit report. I assert that this account is not mine and I am not responsible for the debt associated with it.

I have never opened an account with this creditor, nor have I authorized anyone to use my information to open an account. I believe this account may be the result of identity theft or a clerical error. I do not owe Credence Resource Management {$350.00}. 

I request that you immediately investigate this matter and remove this account from my credit report. Please provide me with written confirmation of the removal once the investigation is complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: MI

Complaint narrative:
1. ) Effective XX/XX/year> I phoned and cancelled our XXXX XXXX policy with a monthly premium of {$460.00}. Please see supporting documented proof of final payment {$460.00} to XXXX XXXX. 

2. ) Effective XX/XX/year> my husband XXXX XXXX XXXX purchased a new auto policy through XXXX XXXX. Please see proof XXXX XXXX XXXX quote and our new policy ID cards proof. 

3. ) Please delete XXXX from my credit report asap as I do not owe XXXX, this is an error because I have no balance due to them because I canceled coverage and purchased another policy with CXXXX XXXX XXXX 

4. ) I have a name change also not been updated. My name is XXXX 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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I need my credit profiles merged and accessible. No one can pull my credit as if it doesnt exist. My name is XXXX XXXX XXXX and my Maiden name is XXXX XXXX XXXX. I assume there is a credit split that needs to be fixed so my credit reports can be pulled online and by others who are permitted to do so. Merge the accounts if there is a credit split, but these issues need a proper resolution.

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 2025-02-17 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: FL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. 
I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX ( XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-02-17 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:
Im filing a complaint because TransUnion has reinserted a previously deleted account on my credit report without properly notifying me, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). The account in question is XXXX XXXX Account # XXXX, which was deleted but has now suddenly reappeared. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a deleted account is reinserted, the credit bureau must notify me in writing within five business days. TransUnion completely failed to do this. Additionally, this reinsertion violates 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy. Reinserting a previously disputed and removed account without proper verification is reckless and unacceptable. I am extremely frustrated because I went through the dispute process and had this account removed, and now, without warning, it's back, damaging my credit again. This should never have happened. I demand that TransUnion immediately delete this account, provide an explanation for this violation, and ensure it will not be reinserted again. If they fail to do so, I will escalate this matter further.

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 2025-02-17 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: NJ

Complaint narrative:
I am a victim of identity theft there has been a lot fraud accounts open In my name & address as well I would like these accounts removed from all 3 of my credit reports my wallets were stolen nd socials card as well

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 2025-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
CAN NOT GET THROUGH TO NELNET I've been trying to log in to the website : - I have reset my password a number of times - After the website saying that the password has been successfully changed it still won't allow me to log in Also, I've tried calling numerous amounts of times but the most frustrating thing is that it'll ask for the social security number, birthday, and zip code - then they'll say that the information provided is wrong THERE IS NO WAY TO TALK TO A REAL PERSON because of this I have not been able to pay my student loan and my credit score has been massively affected. I looked this up to see if it was a common problem and there are many complaints, so I'm not the only one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally demanding the IMMEDIATE REMOVAL of an unverified bankruptcy from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The credit bureaus have failed to provide proper verification of this bankruptcy, and XXXX has not provided any documentation proving its accuracy, in direct violation of my rights under federal law. 

FCRA Violations & Legal Basis for Removal : 1. Failure to Verify ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) The FCRA requires that any disputed information must be verified as accurate within 30 days, or it must be deleted immediately. Since XXXX has not verified this bankruptcy with supporting documentation, it must be removed immediately from my credit report. 
2. Furnishing Inaccurate Information ( 15 U.S.C. 1681s-2 ( a ) ) It is illegal for any entity to furnish information to credit bureaus that they can not verify as accurate. Since XXXX and the credit bureaus can not substantiate the bankruptcy, they are in direct violation of this law. 
XXXX. Failure to Provide Sources & Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ) Under the FCRA, I have the right to request the method of verification used to report this bankruptcy. Since XXXX and the credit bureaus have not provided proof, they are failing to comply with federal law. 
4. Negligent and Willful Noncompliance ( 15 U.S.C. 1681n & 1681o ) Knowingly reporting unverified or inaccurate information is a violation of my consumer rights, and I am prepared to take legal action for damages of up to {$1000.00} per violation, plus attorneys fees, if this issue is not resolved promptly.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally demanding the IMMEDIATE REMOVAL of an unverified bankruptcy from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The credit bureaus have failed to provide proper verification of this bankruptcy, and XXXX has not provided any documentation proving its accuracy, in direct violation of my rights under federal law. 

FCRA Violations & Legal Basis for Removal : 1. Failure to Verify ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) The FCRA requires that any disputed information must be verified as accurate within 30 days, or it must be deleted immediately. Since XXXX has not verified this bankruptcy with supporting documentation, it must be removed immediately from my credit report. 
2. Furnishing Inaccurate Information ( 15 U.S.C. 1681s-2 ( a ) ) It is illegal for any entity to furnish information to credit bureaus that they can not verify as accurate. Since XXXX and the credit bureaus can not substantiate the bankruptcy, they are in direct violation of this law. 
XXXX. Failure to Provide Sources & Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ) Under the FCRA, I have the right to request the method of verification used to report this bankruptcy. Since XXXX and the credit bureaus have not provided proof, they are failing to comply with federal law. 
4. Negligent and Willful Noncompliance ( 15 U.S.C. 1681n & 1681o ) Knowingly reporting unverified or inaccurate information is a violation of my consumer rights, and I am prepared to take legal action for damages of up to {$1000.00} per violation, plus attorneys fees, if this issue is not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: CA

Complaint narrative:
These inaccurate items are currently part of pending litigation due to reporting errors on my credit report. I have been dealing with these errors for months, and the process has been nothing short of exhausting. My financial stability and credit standing are incredibly important to me, yet these inaccuracies have severely impacted my opportunities and well-being. Despite my repeated efforts to resolve this, my concerns have been ignored, further compounding the damage.

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 2025-02-17 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: MN

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am formally demanding the IMMEDIATE REMOVAL of an unverified bankruptcy from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The credit bureaus have failed to provide proper verification of this bankruptcy, and XXXX has not provided any documentation proving its accuracy, in direct violation of my rights under federal law. 

FCRA Violations & Legal Basis for Removal : 1. Failure to Verify ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) The FCRA requires that any disputed information must be verified as accurate within 30 days, or it must be deleted immediately. Since XXXX has not verified this bankruptcy with supporting documentation, it must be removed immediately from my credit report. 
2. Furnishing Inaccurate Information ( 15 U.S.C. 1681s-2 ( a ) ) It is illegal for any entity to furnish information to credit bureaus that they can not verify as accurate. Since XXXX and the credit bureaus can not substantiate the bankruptcy, they are in direct violation of this law. 
3. Failure to Provide Sources & Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ) Under the FCRA, I have the right to request the method of verification used to report this bankruptcy. Since XXXX and the credit bureaus have not provided proof, they are failing to comply with federal law. 
4. Negligent and Willful Noncompliance ( 15 U.S.C. 1681n & 1681o ) Knowingly reporting unverified or inaccurate information is a violation of my consumer rights, and I am prepared to take legal action for damages of up to {$1000.00} per violation, plus attorneys fees, if this issue is not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NC

Complaint narrative:
FCRA 604 ( 15 U.S. Code 1681b ) FCRA 611 ( 15 U.S. Code 1681i ) FCRA 609 ( 15 U.S.

Code 1681g ) i am writing to formally dispute and request the immediate removal of the following unauthorized fraudulent Accounts from my EXPERIAN credit report : FRAUDULENT ACCOUNT : XXXX XXXX  ; XXXX, {$2900.00}, this Account were OPEN without my authorization and are fraudulent and are a violation of my consumer rights by BEING REMOVED AND PUT BACK ON MY CREDIT REPORT under the FEDERAL CONSUMER REPORTING AGENCY ( FCRA ). Specifically listed above.

According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has accounts listed

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 2025-02-17 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: IL

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 response to consumer: Closed with non-monetary relief