vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: IL

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher peoples information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: IL

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher peoples information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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:
I reviewed my credit report and noticed that there was fraudulent activity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX access my credit file without my authorization. XXXX XXXX XXXX XXXX, XXXX Place a fraudulent hard inquiry on my credit file. I do not do business with XXXX XXXX XXXX XXXX, XXXX. I have not done business in the past with XXXX XXXX XXXX XXXX XXXX XXXX. This hard inquiry is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: CO

Complaint narrative:
This account was charged off on the following Since Then, the account has repeatedly been updated as charge -off every month. This is an update on the payment history. A Charge off account should Not include an active Payment history. This inaccurate information falsely manipulates the statute of limitation. Yours Failed to investigate this account properly and your neglect has violated my right. I am demanding a deletion of the following account : XXXX ( XXXX XXXX ) ( # XXXX  : XXXX ) XXXX ( XXXX XXXX ) ( # XXXX : XXXX ) Transunion ( XXXX XXXX ) ( # XXXX  : XXXX ) XXXX ( XXXX XXXX ) ( # XXXX  : XXXX ) XXXX ( XXXX XXXX ) ( # XXXX  : XXXX ) Transunion ( 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 2024-12-06 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: CO

Complaint narrative:
This account was charged off on the following Since Then, the account has repeatedly been updated as charge -off every month. This is an update on the payment history. A Charge off account should Not include an active Payment history. This inaccurate information falsely manipulates the statute of limitation. Yours Failed to investigate this account properly and your neglect has violated my right. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Equifax ( XXXX XXXX ) ( # XXXX  : XXXX ) XXXX ( XXXX XXXX ) ( # XXXX  : XXXX ) XXXX ( XXXX XXXX ) ( # XXXX  : XXXX ) Equifax ( XXXX XXXX ) ( # XXXX  : XXXX ) XXXX ( XXXX XXXX ) ( # XXXX  : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: DE

Complaint narrative:
XXXX Attention : Customer Service XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Violation of My Rights under 15 U.S.C. 6802-6805 and 15 U.S.C. 1681, and Education and Privacy Acts I am writing to formally notify you of the violations of my rights under various federal statutes and to demand immediate corrective action. 

I did not authorize XXXX, TransUnion, and XXXX to report any information regarding my student loans, which violates my rights under 15 U.S.C. 6805 and 15 U.S.C. 1681 concerning permissible purposes for consumer reporting. The reports in question inaccurately list my student loans as being serviced by the Department of Education, despite the fact that XXXX has taken over my loan, originally serviced by XXXX XXXX XXXX XXXX. I never provided consent for this change in servicers, nor was I informed of my right to opt out of having my information reported on my consumer report. These actions are violations of 15 U.S.C. 6802-6805. 

Furthermore, the reporting of my student loans constitutes a violation of the Family Educational Rights and Privacy Act ( FERPA ) as well as the Privacy Act of 1974. These laws are designed to protect the privacy of student education records and personal information. Your failure to comply with these regulations has caused significant distress and potential harm to my credit and personal privacy. 

I demand the following actions be taken immediately : Correction of Inaccurate Information : Ensure that all credit reporting agencies correct the inaccurate reporting of my student loans and reflect that XXXX is the current servicer. 

Cease Unauthorized Reporting : Stop reporting my information to any credit reporting agencies without my explicit consent. 

Notification of Rights : Provide me with a comprehensive explanation of my rights regarding the reporting of my loan information and any future changes to my loan servicer. 

Please acknowledge receipt of this letter and provide a written response outlining the steps you will take to address these issues within 30 days. Failure to comply may result in further action to enforce my rights. 

Thank you for your prompt attention to this matter. 

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
Consumer complaint received 2024-12-06 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: DE

Complaint narrative:
XXXX Attention : Customer Service XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Violation of My Rights under 15 U.S.C. 6802-6805 and 15 U.S.C. 1681, and Education and Privacy Acts I am writing to formally notify you of the violations of my rights under various federal statutes and to demand immediate corrective action. 

I did not authorize Equifax, XXXX, and XXXX to report any information regarding my student loans, which violates my rights under 15 U.S.C. 6805 and 15 U.S.C. 1681 concerning permissible purposes for consumer reporting. The reports in question inaccurately list my student loans as being serviced by the Department of Education, despite the fact that XXXX has taken over my loan, originally serviced by XXXX XXXX XXXX XXXX. I never provided consent for this change in servicers, nor was I informed of my right to opt out of having my information reported on my consumer report. These actions are violations of 15 U.S.C. 6802-6805. 

Furthermore, the reporting of my student loans constitutes a violation of the Family Educational Rights and Privacy Act ( FERPA ) as well as the Privacy Act of 1974. These laws are designed to protect the privacy of student education records and personal information. Your failure to comply with these regulations has caused significant distress and potential harm to my credit and personal privacy. 

I demand the following actions be taken immediately : Correction of Inaccurate Information : Ensure that all credit reporting agencies correct the inaccurate reporting of my student loans and reflect that XXXX is the current servicer. 

Cease Unauthorized Reporting : Stop reporting my information to any credit reporting agencies without my explicit consent. 

Notification of Rights : Provide me with a comprehensive explanation of my rights regarding the reporting of my loan information and any future changes to my loan servicer. 

Please acknowledge receipt of this letter and provide a written response outlining the steps you will take to address these issues within 30 days. Failure to comply may result in further action to enforce my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: DE

Complaint narrative:
XXXX Attention : Customer Service XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Violation of My Rights under 15 U.S.C. 6802-6805 and 15 U.S.C. 1681, and Education and Privacy Acts I am writing to formally notify you of the violations of my rights under various federal statutes and to demand immediate corrective action. 

I did not authorize XXXX, XXXX, and Experian to report any information regarding my student loans, which violates my rights under 15 U.S.C. 6805 and 15 U.S.C. 1681 concerning permissible purposes for consumer reporting. The reports in question inaccurately list my student loans as being serviced by the Department of Education, despite the fact that XXXX has taken over my loan, originally serviced by XXXX XXXX XXXX XXXX. I never provided consent for this change in servicers, nor was I informed of my right to opt out of having my information reported on my consumer report. These actions are violations of 15 U.S.C. 6802-6805. 

Furthermore, the reporting of my student loans constitutes a violation of the Family Educational Rights and Privacy Act ( FERPA ) as well as the Privacy Act of 1974. These laws are designed to protect the privacy of student education records and personal information. Your failure to comply with these regulations has caused significant distress and potential harm to my credit and personal privacy. 

I demand the following actions be taken immediately : Correction of Inaccurate Information : Ensure that all credit reporting agencies correct the inaccurate reporting of my student loans and reflect that XXXX is the current servicer. 

Cease Unauthorized Reporting : Stop reporting my information to any credit reporting agencies without my explicit consent. 

Notification of Rights : Provide me with a comprehensive explanation of my rights regarding the reporting of my loan information and any future changes to my loan servicer. 

Please acknowledge receipt of this letter and provide a written response outlining the steps you will take to address these issues within 30 days. Failure to comply may result in further action to enforce my rights. 

Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: FL

Complaint narrative:
The debt collector is attempting to collect a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: NV

Complaint narrative:
I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year> XXXXXXXX XXXX XXXXXXXX at US bank campus commons in XXXX XXXX, California I deposited {$1000.00} in my checking account into an ATM. The ATM did not credit the amount and printed out a receipt that explained a machine error has occurred and we are unable to credit your account or return some of your items you attempted to deposit. Contact your financial institution at the number on the back of your card. 10 minutes later I had called customer service at XXXX and talk to the representative whos only solution was to file this dispute after explaining that I have rent due today and this will affect my housing and asked what more could be done. Her only solution was to file a dispute. 
The next day on XX/XX/year> at XXXX XXXX. I arrived at XXXX  XXXX XXXX. XXXX, XXXX US Bank. And explain to XXXX XXXX whose only solution was to wait out the 10 day waiting period before I can receive my funds back. She also offered solutions to apply for credit cards/loans. She asked if I knew any family which was an extremely sensitive subject since I am a XXXX XXXX XXXX with no family. I explained that my housing is at risk and I also just custody of my little sister and I am also at risk of loosing her due to this problem. Yet her only solution was to wait 10 business days. I even went to a church that day to find help and left US bank discouraged and broken. On XX/XX/year> I called again at XXXX and talked to the same person and explained the same situation that has happened and she gave me the same response, and left will with no help. I have been with this bank and my job checks come from US, its very disheartening that the bank I bank with will not help find a resolution to this matter in good faith of being a trusted US banker, otherwise I can not see any benefit to banking with them.

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 monetary relief
Consumer complaint received 2024-12-06 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXXushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 explanation
Consumer complaint received 2024-12-06 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: NV

Complaint narrative:
This account was charged off on the following date : XX/XX/year> since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged-off account should not include an active payment history this inaccurate information falsely manipulates the stature of limitations you failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights I am demanding a deletion of the following ( 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 2024-12-06 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: NC

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. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation