vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
I am sending to formally address discrepancies in my credit report and request a fair resolution. I respectfully ask that you review and ensure the accuracy of my personal identifying information, including my full legal name, current address, date of birth, and the last XXXX digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. Chapter XXXX Bankruptcy XXXX XXXX CT GA XXXX XXXX XXXX XXXX BALANCED {$5100.00} XXXX  XXXX BALANCED {$6200.00} XXXX XXXX BALANCED {$1000.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$840.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$4100.00} XXXX PM XXXX BALANCED {$5000.00} XXXX  XXXX BALANCED {$960.00} XXXX  XXXX XXXX BALANCED {$770.00} XXXX  XXXX BALANCED {$940.00} XXXX XXXX XXXXXXXX BALANCED {$1700.00} XXXX XXXX  XXXX BALANCED {$770.00} CCI XXXX BALANCED {$280.00} Chapter XXXX Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX request a thorough review and reinvestigation of any disputed items on my credit report. If any item can not be verified with concrete evidence, I ask for its immediate removal to avoid any inaccuracies that XXXX adversely impact my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This chargeoff is being reported with a past due balance. It is agianst FCRA for a charge off to be reported on a credit report with a past due balance. This company does not have the right to be reporting anything on my credit report. Canceled debt is considered income and it is illegal for income to be reported on a credit report. I need to see the contract between this debt collector and the original creditor. I also need to see the truth of affidavit. This account needs to be removed from my credit report for innacuracy and breaking FCRA laws. I have no contract, promissory note, or XXXX signature agreement on file with XXXX Funding nor have I ever received a valid statement or sworn affidavit from them verifying the alleged debt and the lawful basis for the charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: IL

Complaint narrative:
Th companies in question used my information improperly. I think I XXXX have been a victim of identity theft. I did not approve or know about any of this. There are multiple companies who is reporting false info on 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 explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am trying to log into Experian, who owns ID XXXX. I have an old account with them that I no longer have access to the phone number and email they have on file for me. They use it for identification verification before recovering my account. I have an identity theft alert on my account as well is what my tax place said. I need someone to contact me so that I can give them my new contact information and get into my account. It is causing problems with everything I try to do when it comes to finances, accounts, and taxes.

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 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
1. I received a targeted email from XXXX about getting a {$250.00} bonus for opening a new checking account. 
2. The term says opening the account by XX/XX/XXXX and making at least XXXX qualifying direct deposits, each of {$1000.00} or more, within 90 days of opening your new account. 
3. I opened the account on XX/XX/XXXX and received a confirmation email about promotion enrollment. 
4. I made XXXX direct deposits, {$4800.00} and {$9400.00}, on XX/XX/XXXX and XX/XX/XXXX respectively. 
5. I received an email on XX/XX/XXXX, confirming I had met the qualifications for the promotion. 
6. No bonus has been deposited since then. On XX/XX/XXXX, I received another email saying my account did not meet the offer requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/year> TransUnion LLC XXXX XXXX XXXX XXXX XXXX, IL XXXX **SENT VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTED** **Re : Notice of Potential XXXX Format Compliance Issues- Consumer File To Whom It XXXX Concern : This letter serves as formal notice regarding potential violations of the XXXX Format reporting standards as evidenced by irregularities in your consumer dispute processing system. I am submitting this notice under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 

# # Observed XXXX XXXX XXXX on my recent interaction with the TransUnion dispute management system, I have identified the following potential XXXX compliance concerns : XXXX. Dispute Status Reporting Delays- Your system shows a " Loading '' status for active disputes without providing the required XXXX compliance status codes or timely updates, potentially violating the CRRG requirements for timely dispute processing and status reporting. 

XXXX. Consumer Statement Management During Active Disputes - While your system allows consumer statements to be added during active disputes, there appears to be no clear indication that these statements are being properly coded with the required XXXX compliance condition codes as mandated by the XXXX XXXX XXXX XXXX. 

XXXX. Potential XB Segment Compliance Issues- The system interface suggests possible improper handling of the XB Segment ( Consumer Dispute ) XXXX reporting requirements, which XXXX result in dispute information not being properly reported to data furnishers in the required XXXX Format. 

# # Legal Basis Credit reporting agencies are legally required to follow the XXXX Format as established by the XXXX XXXX XXXX XXXX ( XXXX ). These reporting standards ensure compliance with federal laws including the Fair Credit Reporting Act ( FCRA ), Fair Credit Billing Act ( XXXX ), and Equal Credit Opportunity Act ( ECOA ). 

The issues identified potentially constitute a failure to : 1. Follow reasonable procedures to assure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) 2. Properly process and report dispute information ( 15 U.S.C. 1681i ) 3. Maintain proper XXXX Format compliance in your dispute handling system

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 2025-04-12 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: FL

Complaint narrative:
under key provision and state legislature XXXX. Identity theft and fraud and the use of public records Federal law 18 U.S.C & 1028 Assumption and XXXX XXXX XXXX law enforcement has been notified and provided case 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 2025-04-12 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: FL

Complaint narrative:
under key provision and state legislature 817.568. Identity theft and fraud and the use of public records Federal law 18 U.S.C & 1028 Assumption and Detterrance Act Local law enforcement has been notified and provided case 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 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
This is the last attempt to collect the 1099c for GM financial. I have requested repeatedly for the 1099c on this account. Gm Finacial is reporting this account was charged off. per the law and the fair credit reporting act I'm Requesting the 1099c for the account. if not given there will be a request to investigate GM Financial with the IRS for FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
I checked my credit report and noticed some incorrect items, which is hurting my ability to get credit. This is the credit card 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 2025-04-12 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: TX

Complaint narrative:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

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 2025-04-12 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 am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

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 2025-04-12 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-12 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: LA

Complaint narrative:
I am filling these complaint to formally dispute inaccuracies in my credit report and to request a fair and accurate resolution. I respectfully ask that the credit bureaus verify and ensure the accuracy of my personal identifying information, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any information found to be incorrect, outdated, or unverified should be corrected or removed promptly to reflect the truth. 

XXXX XXXX* BALANCED {$900.00} Date of Last Activity : XX/XX/XXXX Payment Status : Current Late : XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX BALANCED {$2200.00} Date of Last XXXX Payment Status : Late 120 Days late : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  BALANCED {$720.00} XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$810.00XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not do these two hard inquiries on my credit report, and I would like them removed. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-12 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I received and email today from XXXX saying that I had a hard inquiry on my report. I did not authorize this inquiry and I want it taken off of my credit report. The FCRA states under Provision :15 U.S.C.1681b - Permissible purposes of consumer reports. 15 U.S.C.1681b ( f ) - GENERAL PROHIBITION states : '' A person shall not use or obtain a consumer report for any purpose unless- ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report and the information is used for that purpose. '' I have no recollection of providing consent for a credit inquiry on or around the date of XX/XX/year>. Therefore, I believe this inquiry was made without a permissible purpose and constitutes a violation of the FCRA. 
I formally request the following : 1.Provide documented proof that I authorized the credit inquiry in question.

2.If you are unable to provide such documentation, immediately remove the inquiry from all consumer reporting agencies to which it was submitted XXXX, Equifax, and XXXX 3 . Cease any further unauthorized access to my credit file.

Please consider this letter a formal dispute under FCRA. Failure to respond within a reasonable time may result in legal action against your company, including but not limited to statutory and punitive damages under 15U.S.C.1681n and 1681o, as well as attorney fees. A copy of my government issued I
.D . and Vehicle registration will be attached to this complaint for identity purposes. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: TN

Complaint narrative:
I received and email today from XXXX saying that I had a hard inquiry on my report. I did not authorize this inquiry and I want it taken off of my credit report. The FCRA states under Provision :15 U.S.C.1681b - Permissible purposes of consumer reports. 15 U.S.C.1681b ( f ) - GENERAL PROHIBITION states : '' A person shall not use or obtain a consumer report for any purpose unless- ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report and the information is used for that purpose. '' I have no recollection of providing consent for a credit inquiry on or around the date of XX/XX/year>. Therefore, I believe this inquiry was made without a permissible purpose and constitutes a violation of the FCRA. 
I formally request the following : 1.Provide documented proof that I authorized the credit inquiry in question.

2.If you are unable to provide such documentation, immediately remove the inquiry from all consumer reporting agencies to which it was submitted XXXX, XXXX, and Transunion 3 . Cease any further unauthorized access to my credit file.

Please consider this letter a formal dispute under FCRA. Failure to respond within a reasonable time may result in legal action against your company, including but not limited to statutory and punitive damages under 15U.S.C.1681n and 1681o, as well as attorney fees.

A copy of my government issued I.D . and Vehicle registration will be attached to this complaint for identity purposes. 
Sincerely, 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