vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 explanation
Consumer complaint received 2025-02-24 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:
Subject : Second Request for Credit Information Correction - Non-Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated XX/XX/year> in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on XXXX XXXX XXXX - XXXX - I was never late on this at all. To date, I have not received confirmation of the correction nor observed any changes in my credit report. 
As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the Fair Credit Reporting Act ( FCR
A ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights 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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to complaint to express this account on my credit report XXXX  XXXX  XXXX that I believe was reported without my knowledge or consent. This account has had a detrimental impact on my creditworthiness and has negatively affected my ability to secure loans, housing, and favorable financial terms. As a result, it has caused me significant harm, both financially and personally. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to accurate and fair reporting of my credit information. The inclusion of this unauthorized account is not only a violation of my rights, but it also fails to reflect my true credit history, which is a violation of the principles of fairness and accuracy mandated by the FCRA. I did not authorize this account to be reported, and I was unaware of any option to opt out of the credit reporting process. This account is causing me undue harm by misrepresenting my financial responsibility. Under the XXXX Amendment, I have the right to privacy and to prevent my personal financial information from being disclosed or used without my consent. I request the immediate removal or thorough investigation of this account. If you are unable to provide sufficient evidence of authorization for the account, I demand its removal from my credit report as required by law. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to complaint to express this account on my credit report XXXX  XXXX  XXXX that I believe was reported without my knowledge or consent. This account has had a detrimental impact on my creditworthiness and has negatively affected my ability to secure loans, housing, and favorable financial terms. As a result, it has caused me significant harm, both financially and personally. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to accurate and fair reporting of my credit information. The inclusion of this unauthorized account is not only a violation of my rights, but it also fails to reflect my true credit history, which is a violation of the principles of fairness and accuracy mandated by the FCRA. I did not authorize this account to be reported, and I was unaware of any option to opt out of the credit reporting process. This account is causing me undue harm by misrepresenting my financial responsibility. Under the XXXX Amendment, I have the right to privacy and to prevent my personal financial information from being disclosed or used without my consent. I request the immediate removal or thorough investigation of this account. If you are unable to provide sufficient evidence of authorization for the account, I demand its removal from my credit report as required by law. Sincerely, 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 2025-02-24 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-02-24 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: MS

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I have sole legal and physical custody of my son. XXXX is the XXXX at the local M & T XXXX XXXX, XXXX XXXX was being instructed by XXXX XXXX I could not get through to the mobile banking. Upon calling, XXXX hears that I am calling to do a transfer, then immediately transfers me to XXXX. XXXX asks for my full social security number to pull my accounts. I explain the accounts I have and my son 's of whom I am the legal owner ( he is the equitable ). I also explain that I was having trouble getting through to the mobile banking and HOW the funds were to be used. The transaction was for just under XXXX XXXXXXXX. I verify my address. XXXX then has to get XXXX to approve. So again he has to ask the same things I've already verified with XXXX. They both get on their high-horse about how they're doing such a favor to me -- which frankly boggles my mind because they're working in retail banking! They then start asking questions about how the money is to be used and I reply lawful purposes for my son 's benefit and they continue prying. I explain to XXXX he can approve it or not, but I'm not doing anything improper or unlawful and that I'd already confirmed my information. He asks to put me on hold and then suddenly can not do the transaction, despite them already validating my information! 

I complained via online portal to M & T, XXXX wrote me back saying she was going to have the branch reach out. XXXX never did. The woman who was guiding him, XXXX did, and all she did was go through the spiel of banking security ignoring the fact that I'd already validated all the information! Moreover, that XXXX was letting his emotions control him and he was on a power trip insofar as not " feeling comfortable '' with it and he was playing judge/jury and executioner without the grant of power to do so. The facts of it are I confirmed the data, advised him that I was comporting with the law ( and frankly he doesn't need to know ), and he suddenly decided he couldn't do it ... .not sure if that's because I am XXXX  with an XXXX name, or what but lacking any other evidence, that is the only conclusion we can draw.

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 2025-02-24 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: WI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) # XXXX XX/XX/year> -- {$150.00}

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 2025-02-24 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: NC

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-02-24 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: NC

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-02-24 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: TX

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX  Address XXXX XXXX  XXXX MO XXXX ACCOUNT # XXXX I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX It is my understanding that per 15 USC 1681 ( A ) ( 2 ) ( A ) ( I ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( YOU ) making report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing the reasonable procedures ( according XXXX15 USC 1666 ( B ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payments due date. Include also, all the information required by section 1637 ( b ) of title 15.

You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account and i would time fore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( EQUIFAX, TRANSUNION, OR all that apply ) and updated the accounts to positive.

Please forward any changes to my account to the address below. thank you for you time and consideration in this matter. I look forward to hearing back something positive. 

XXXXXXXX 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 2025-02-24 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: TX

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX  Address XXXX XXXX  XXXX MO XXXX ACCOUNT # XXXX I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX It is my understanding that per 15 USC 1681 ( A ) ( 2 ) ( A ) ( I ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( YOU ) making report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing the reasonable procedures ( according XXXX15 USC 1666 ( B ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payments due date. Include also, all the information required by section 1637 ( b ) of title 15.

You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account and i would time fore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( EQUIFAX, TRANSUNION, OR all that apply ) and updated the accounts to positive.

Please forward any changes to my account to the address below. thank you for you time and consideration in this matter. I look forward to hearing back something positive. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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:
XXXX has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

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