vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 2025-01-11 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
HARD INQUIRY FROME EXPERIAN BUSINESS CRED I THINK NOT MINE I DIDNT RECOGNIZE according FCRA 605B I REQUST DELETION

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 2025-01-11 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: VW Credit
State: GA

Complaint narrative:
I see I had a XXXX XXXXXXXX from dealership of which I know nothing about or even try to obtain a loan from them. I saw it was done in XX/XX/year>. I have never tried to get a car finance from Volkswagen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXXXXXX I THINK NOT MINE DUE TO IDENTITY THEFT SO REQUSTING DELETION OF ACCOUNT ACCORDING TO FCRA 605B

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Per 15 U.S. Code 1561c Requirements relating to information contained in consumer reports The FCRA mandates that only accurate, relevant and up to date information should be reported. Old and inaccurate personal information including incorrect names and inaccurate addresses can lead to confusion and misidentification, for this reason it should be REMOVED. 

The only Name that should be listed on my Consumer File should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please Delete and Remove any other names, dates of birth, or employment listed on my consumer file. This is to ensure that only Accurate information is listed concerning my personal information on my consumer file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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.

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-01-10 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I noticed unauthorized inquiries on my credit report that I would like removed.
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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I wrote to Experian, on numerous occasions requesting them to investigate the accounts listed on my report on XX/XX/year>, everything came back verified because they failed to properly investigate the accounts, I then resubmitted my request on XX/XX/year> requesting that they reinvestigate my dispute submitted on XX/XX/year>, in which I requested that you provide tangible proof that these companies received permissible purpose as outlined by Law to access my credit report, without my written consent in accordance with 15 U.S.C. 1681. My specific inquiry was based on my right to privacy as a consumer, which is protected by the Fair Credit Reporting Act ( FCRA ). 

To date, I have not received any documentation or satisfactory response to my request for verification of permissible purpose under 15 U.S.C. 1681b. The failure to investigate my dispute violates the regulations outlined in the FCRA, which stipulate that credit reporting agencies must respond promptly to consumer disputes and provide clear evidence when a permissible purpose for accessing a consumer 's credit report is claimed. 

According to the FCRA, when I raise a dispute, you are required to conduct a reasonable investigation and provide a clear, substantiated response. I am entitled to an explanation of why my information was accessed and the legal justification for such an inquiry. Additionally, if the permissible purpose can not be proven, the entry should be removed from my report in compliance with consumer protection laws. 

Since they have failed to provide the required proof or a proper response to my inquiry, I request the following : Immediate confirmation of your investigation or reinvestigation into the dispute.

A complete, substantiated explanation of the permissible purpose for accessing my credit report, supported by tangible proof as required under 15 U.S.C. 1681b. I am requesting the names of all parties they spoke to during their investigation and their re-investigation, I'm requesting each persons contact information, their Title, Their Employer, and the exact steps they took to investigate and re-investigate the companies that I have disputed, if they can not substantiate information within a timely manner I'm requesting that these accounts be deleted immediately and not re-reported as is another illegal practice that this company does to buy time instead of following the law I formally requested that the company correct any and all inaccuracies and actively fulfill their obligations under the FCRA.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I have tried to resolve this issue with this debt collecting company and they have yet to delete the item from my credit report. I have reached out multiple times and they have shown no proof off who acquired this account. Also this account incorrectly reports to multiple bureaus, with different information.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I am writing to file a formal complaint against OneMain Financial for multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), the Privacy Act of 1974, and other pertinent federal regulations. These violations pertain to their mishandling of my personal financial data, improper reporting practices, and disregard for my rights to privacy and financial autonomy. 

XXXX. Violations of FCRA and GLBA ( 15 U.S.C. 6801-6805 ) : Under the FCRA and the XXXX XXXX ( XXXX ), financial institutions are required to safeguard consumer information and provide clear opt-out rights regarding the sharing of sensitive data. OneMain Financial failed to : Provide me with adequate notice and an opportunity to opt out of sharing my data for promotional or transactional purposes. 

Illegally report transaction history to consumer reporting agencies without my consent, violating my rights under the FCRA and 16 CFR 313.

2. Violations of 16 CFR 433.1 and 433.2 ( Preservation of Consumers ' Claims and Defenses ) : OneMain Financials utilization of my financial information appears to contravene federal requirements to maintain fair and transparent practices in consumer credit. Specifically : They reported transaction histories, despite the limitations imposed by federal regulations. 

Their practices do not reflect the standard of care expected under 16 CFR 433.1 and 433.2, which mandate the preservation of consumers ' claims and defenses.

3. Misinterpretation of IRS Guidelines on Charge-Offs : According to IRS guidelines , charge-offs represent a certificate of indebtedness and are considered taxable income for the creditor, not the consumer. Reporting charge-offs as derogatory marks on my credit report misrepresents the nature of these transactions and violates the FCRAs provisions against inaccurate reporting. 

XXXX. Violation of Privacy Rights Under the Privacy Act of 1974 ( 5 U.S.C. 552a ) : OneMain Financials practices have infringed upon my privacy rights as outlined in the Privacy Act of 1974 by : Sharing or using my personal financial data without explicit authorization.

Failing to adequately secure sensitive personal information, thereby exposing me to potential identity theft and unauthorized usage.

5. Negative Impact on Creditworthiness and Financial Stability : These violations have significantly damaged my creditworthiness, reducing my ability to access credit and hindering my financial autonomy. The illegal reporting of my transaction history and derogatory marks have resulted in higher interest rates, denial of credit applications, and an inability to secure financial products vital for everyday operations. As a federally protected consumer, I have been unjustly burdened by these actions, which undermine my legal rights and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian Dispute Department Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information reported on my credit file, which violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The information in question is as follows : XXXX XXXX XXXX Account # XXXX Since the creditor in question has filed for bankruptcy and is no longer operational, it is impossible for them to verify the accuracy of the information being reported. 
Continuing to report unverifiable information is not only a violation of the FCRA but also harmful to my credit standing. 

XXXX. XXXX XXXX XXXX Account # XXXX This collection account is related to an account with the original creditor, [ original creditor 's name ], which has already been removed from my credit report. 
Since the original account no longer exists on my credit file, the related collection account should also be removed. 
Under the Fair Credit Reporting Act ( FCRA ), information on a credit report must be accurate, complete, and verifiable. As the original creditor 's account has been removed, I request that you investigate this collection account and remove it from my credit report. 

This information is inaccurate, unverifiable, and has caused significant harm to my creditworthiness. According to Section 611 of the FCRA, credit reporting agencies are obligated to ensure that all information in a consumers report is accurate and verifiable. Experian has failed to meet this standard, as these accounts were added without proper verification or legal grounds. 

Additionally, Experians continued reporting of this incorrect information constitutes a willful violation of my rights under the FCRA and exposes the company to liability under Section 616 ( civil liability for willful noncompliance ). If this issue is not resolved promptly, I am prepared to pursue legal action under Section 617 ( civil liability for negligent noncompliance ).

As part of this dispute, I am requesting : 1. An immediate investigation into the accuracy and validity of the disputed items 2. A formal deletion of the inaccurate information from my credit report.

3. A written confirmation of the results of your investigation within 30 days, as required by law.

Failure to resolve this matter satisfactorily may result in a lawsuit seeking damages for the harm caused to my credit profile, financial opportunities, and emotional distress. I urge Experian to act in good faith and resolve this matter immediately to avoid unnecessary legal escalation.

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 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Have tryed multiple times to unlock/unfreeze my credit through transunion and my bank still can't pull my credit

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 2025-01-10 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:
There are XXXX accounts, that appear to have late payments on them, I was never givin a due process on this, plwase see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: IL

Complaint narrative:
There are XXXX accounts, that appear to have late payments on them, I was never givin a due process on this, plwase see attached

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 2025-01-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. I have no recollection of this debt.

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 2025-01-11 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: IL

Complaint narrative:
I am writing to dispute unauthorized hard inquiries on my credit report from your agency and formally request that these inaccurate items be removed immediately. Per my rights under the ( FCRA fair credit reporting act ). Specifically I did not authorize the following INQUIRIES TO BE MADE : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
Once again, I submitted a dispute to Equifax regarding inaccuracies in my credit report, specifically concerning a XXXX XXXX XXXXXXXX account and an XXXX XXXX account and a XXXX XXXX  account. Once again, Equifax refused to process my dispute, claiming they were unable to authenticate my identity. 

This response is entirely unfounded, as I previously submitted the same identity verification documents that were accepted by Equifax in XX/XX/year> when I requested my credit report. My identity was authenticated at that time, and my credit report was provided without issue. My address and other credentials have not changed. 

To resolve this matter, I provided Equifax with multiple forms of identification, including a bank statement for proof of address, my state ID, my Social Security card, and even a notarized letter. Despite this, Equifax has failed to authenticate my identity and continues to refuse to process my dispute. 

This refusal appears to be a deliberate attempt to circumvent their responsibilities under the Fair Credit Reporting Act ( FCRA ). Equifaxs actions deny me my legal right to dispute inaccuracies in my credit report and to have the information investigated and corrected as required by law. Violations : XXXX. Fair Credit Reporting Act ( FCRA ) : Failure to conduct a reasonable investigation of disputes. 
Unjustified refusal to process a dispute by claiming an inability to verify identity.

Company response to consumer: Closed with non-monetary relief