vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-14 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Due to the holiday season and trying to pay for my sons college tuition I could not afford to make my mortgage payment at the beginning of the month when it was due. I already knew that as long as I don't go past XXXX days and cause a lapse in payment it could not affect my credit score or go on my credit. I went to go make the payment at the end of the month when I could afford it and to prevent a lapse, however I was unable to access my account due to the lender having closed down the website for maintenance for XXXX  days in a row. The lender did not send out any information in advance letting consumers know that the website would be down, and we would not be able to access any account information and make any payments or that this was going to happen which would have prevented me from making this payment at the last minute. I was unable to gain access to my account due to their negligence. The lender reported my payment of being late when they are the reason I couldn't gain access to my account. If I had known of this situation in advance It would have never occurred.

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 2025-02-14 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 2025-02-14 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.
State: MS

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 2025-02-14 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:
Im filing this complaint because TransUnion refuses to delete fraudulent accounts from my credit report despite my repeated disputes. Im beyond frustrated with this endless back-and-forth. The accounts in questionXX/XX/XXXX ( Account Number : XXXX ), XX/XX/XXXX ( Account Number : XXXX ), and XX/XX/XXXXXXXX ( Account Number : XXXX ) DO NOT belong to me. ** I have told TransUnion repeatedly, yet they continue to report these accounts as if I am responsible for them. What makes this even more outrageous? XXXX doesnt even have these accounts on my report. So why is TransUnion the only bureau still keeping these fraudulent accounts on my file? Their failure to remove them is not just negligenceits a clear violation of the Fair Credit Reporting Act ( FCRA ). They are violating 15 USC 1681b by reporting information without my permission and failing their duty under 15 USC 1681e ( b ) to ensure my credit report is accurate. At this point, this isnt just an oversightits willful misconduct under 15 USC 1681n and gross negligence under 15 USC 1681o. Because of TransUnions reckless inaction, Ive suffered real financial harmIve been denied loans, forced to pay higher interest rates, and rejected for credit opportunities simply because TransUnion refuses to do its job. Im done waiting. I demand immediate actiondelete these accounts, correct my credit report, and provide written proof of their deletion. I will not accept another empty weve investigated response, incomplete investigation, or pointless delay. TransUnions refusal to act is directly causing me financial damage, and Im asking the CFPB to intervene immediately to stop this. TransUnion must be held accountable.

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 2025-02-14 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: IL

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

Company 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 2025-02-14 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:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is flat-out refusing to do its job, and Ive had enough. Ive been fighting to get this fraudulent XXXX  XXXX XXXX account ( Account # XXXX, opened on XX/XX/year> ) off my credit report, yet Experian keeps reporting it like its mine. This account was deleted before, but somehow, it got sneaked back in without any notice, which is illegal under the FCRA. I thought this issue was resolved, but here I am, dealing with the same nonsense all over again. This account is NOT mine. I never opened it, never authorized it, and never gave permission for it to be reported. I submitted a police report and proof of identity theft, and both XXXX and XXXX actually did their jobs and deleted the account immediately. But Experian? Theyre dragging their feet, ignoring the evidence, and making my life harder for no reason. By refusing to remove this account, Experian is violating the law15 USC 1681b ( reporting without permission ), 15 USC 1681e ( b ) ( failing to ensure accuracy ), and 15 USC 1681n ( willfully ignoring my rights ). Meanwhile, Im stuck with a messed-up credit report, a lower score, and financial stress because they wont do what theyre legally required to do. This isnt just frustratingits completely unacceptable.

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 2025-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: KS

Complaint narrative:
Conserve illegally took money I didnt have out of my account, without written or oral authorization. On the day of XX/XX/year> I noticed a significant amount of funds in the amount of {$330.00} removed from my account without legal authorization. I never knowingly agreed to any automatic withdrawals from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: NC

Complaint narrative:
I am filing a complaint with Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. When I submitted my dispute, Equifax consistently responded with 24 hours stating that the account was accurate, without providing any evidence of a thorough investigation. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S Code 1681i, which mandates a reasonable investigation of my disputes. Equifax also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S Code 5536 ( a ) ( 1 ) ( A ) - ( B ) for similar violations. O request that the CFPB take action to ensure that Equifax complies with the federal law and provides consumers with necessary proof of investigations. 
The account that I am trying to dispute is with XXXX XXXX. It is a charged off account but is still showing a balance. This is a violation of the FCRA. I want this account removed from my credit report 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 2025-02-15 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: NC

Complaint narrative:
I am filing a complaint with Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. When I submitted my dispute, Equifax consistently responded with 24 hours stating that the account was accurate, without providing any evidence of a thorough investigation. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S Code 1681i, which mandates a reasonable investigation of my disputes. Equifax also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S Code 5536 ( a ) ( 1 ) ( A ) - ( B ) for similar violations. O request that the CFPB take action to ensure that Equifax complies with the federal law and provides consumers with necessary proof of investigations. 
The account that I am trying to dispute is with XXXX XXXX. It is a charged off account but is still showing a balance. This is a violation of the FCRA. I want this account removed from my credit report 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 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
On XX/XX/year> Current sent me an email that my account has been restricted due to a dispute from one of the credit beaurus. I had set up direct deposit to the account prior to knowing about this email. On XX/XX/year> i contacted the XXXX customer service chat to ask why my account was restricted and it informed me to reply to the email that was sent on XX/XX/year>. So on XX/XX/year> I responded to the email that I am authorized to use this account. I waited until the next day and I havent gotten a response to the email i sent except for the automated email that lets me know they would respond in XXXX hours. On XXXX XX/XX/year> I called their customer support line to ask the steps to get my account unrestricted. That representative also informed me to reply to the email. The same afternoon my direct deposit goes into this account and I have no access to it and I do have financial responsibilities the check needs to go to. That night I did text the customer service 24/7 line and they informed me that it takes 2-3 business days for a response. The next day my account is still restricted so i call the customer service line to inform them that I did respond to the email and to ask if they have a specific time line when I should hear back and the representative said she doesnt know and that she will forward the email. Now today XX/XX/year> I still havent gotten a reply to my email and my account is still restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: AR

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There may be individuals with similar or identical names, or creditors may have entered my information incorrectly. Regardless, these variations and addresses are not correct historical data and must be removed promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief