vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Accurate Background
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Accurate Background Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Subject : Formal Notice of Intent to Sue for Violations of the Fair Credit Reporting Act ( FCRA ) and State Background Check Laws To Whom It May Concern, This letter serves as a Formal Notice of Intent to Sue due to multiple violations of federal and state background check laws committed by Accurate Background in relation to a background screening report provided to a prospective employer. These violations directly infringe upon my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and applicable Texas background check laws regarding reporting limitations and consumer protections.

Violations Identified Unlawful Inclusion of Outdated Adverse Information The background check report included negative information that exceeds the seven-year reporting limitation outlined in 15 U.S.C. 1681c ( a ), which prohibits consumer reporting agencies from disclosing adverse information older than seven years for positions with a salary below {$75000.00} per year.

Failure to Maintain Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. The report contained erroneous and outdated public record information, demonstrating negligence in verifying data before dissemination.

Failure to Provide Full Disclosure Upon Request Pursuant to 15 U.S.C. 1681g ( a ), I am entitled to a full disclosure of the information in my file, yet Accurate Background failed to provide me with a complete and accurate copy of the report when requested.

Violation of My Right to Fair Hiring Consideration The erroneous background check has resulted in irreparable reputational harm, loss of income, and denial of employment opportunities, constituting willful noncompliance under 15 U.S.C. 1681n.

Legal and Regulatory Consequences If this matter is not immediately corrected, I will initiate the following actions : File a formal complaint with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) to request an investigation into your companys non-compliance with federal background screening regulations.

Pursue legal action in a court of law for statutory and punitive damages under 15 U.S.C. 1681n for willful noncompliance or 15 U.S.C. 1681o for negligent noncompliance, including recovery of attorneys fees and court costs.

Seek relief under Texas consumer protection laws, including those under the Texas Business and Commerce Code, for deceptive trade practices related to background screening services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a written request via certified mail to Experian Credit Bureau to dispute several items on my credit report on XX/XX/year>. I provided them with my driver 's license and a bank statement. On XX/XX/year>, I received the following response via email ... '' We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' I sent another signed certified letter telling them it was indeed me. I included my ID again with another piece of mail to verify my address. On XX/XX/year>, I received another email with the same language as the XXXX on XX/XX/year>. So now, I've spent nearly {$12.00} in certified mail with no results. 

I then called the credit bureau, and spoke to a representative, who told me that they could not find either letter requesting an investigation. The representative then offered to take it over the phone, but I wanted the date they received the XXXX request honored... she was not able to do so. 

Now it is XX/XX/year>, and I have not heard anything back from my initial request.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a written request via certified mail to Experian Credit Bureau to dispute several items on my credit report on XX/XX/year>. I provided them with my driver 's license and a bank statement. On XX/XX/year>, I received the following response via email ... '' We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' I sent another signed certified letter telling them it was indeed me. I included my ID again with another piece of mail to verify my address. On XX/XX/year>, I received another email with the same language as the XXXX on XX/XX/year>. So now, I've spent nearly {$12.00} in certified mail with no results. 

I then called the credit bureau, and spoke to a representative, who told me that they could not find either letter requesting an investigation. The representative then offered to take it over the phone, but I wanted the date they received the XXXX request honored... she was not able to do so. 

Now it is XX/XX/year>, and I have not heard anything back from my initial request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: FL

Complaint narrative:
Your company has placed inquiries on my credit report without my permission, and its causing me a lot of unnecessary financial problems.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I DISCOVERED THAT MY PERSONAL INFORMATION HAD BEEN USED TO OPEN UNAUTHORIZED ACCOUNTS. WITHOUT MY CONCENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 regarding civil liability for negligence and non-compliance.

Violations : Pursuant to 15 U.S.C. 1681o, a credit reporting agency, data furnisher, or any entity that negligently fails to comply with the requirements under the FCRA is liable for damages. Specifically, I believe the following violations have occurred : 1. Failure to investigate disputed information within the required timeframe as per 15 U.S.C. 1681i.

2. Failure to maintain reasonable procedures to ensure the accuracy of the information as required under 15 U.S.C. 1681e ( b ).

3. Failure to notify me of an adverse action taken against me due to inaccurate reporting under 15 U.S.C. 1681m.

4. Negligent non-compliance, causing damages, including but not limited to financial loss, emotional distress, and negative impacts on my creditworthiness.

Requested Action : I hereby request that you : 1. Immediately delete the inaccurate information from my credit report.

2. Provide me with a written explanation of your findings regarding this matter.

3. Compensate me for damages incurred, including any financial losses, emotional distress, and legal fees if applicable.

4. Provide a copy of all documentation related to this matter, including investigation records.

Failure to comply with these requests within 30 days will leave me with no choice but to seek further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for damages under 15 U.S.C. 1681o.

Please consider this letter as a formal notification and provide a written response to the above requests by XX/XX/year>. I expect full compliance in resolving this matter immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 regarding civil liability for negligence and non-compliance.

Violations : Pursuant to 15 U.S.C. 1681o, a credit reporting agency, data furnisher, or any entity that negligently fails to comply with the requirements under the FCRA is liable for damages. Specifically, I believe the following violations have occurred : 1. Failure to investigate disputed information within the required timeframe as per 15 U.S.C. 1681i.

2. Failure to maintain reasonable procedures to ensure the accuracy of the information as required under 15 U.S.C. 1681e ( b ).

3. Failure to notify me of an adverse action taken against me due to inaccurate reporting under 15 U.S.C. 1681m.

4. Negligent non-compliance, causing damages, including but not limited to financial loss, emotional distress, and negative impacts on my creditworthiness.

Requested Action : I hereby request that you : 1. Immediately delete the inaccurate information from my credit report.

2. Provide me with a written explanation of your findings regarding this matter.

3. Compensate me for damages incurred, including any financial losses, emotional distress, and legal fees if applicable.

4. Provide a copy of all documentation related to this matter, including investigation records.

Failure to comply with these requests within 30 days will leave me with no choice but to seek further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for damages under 15 U.S.C. 1681o.

Please consider this letter as a formal notification and provide a written response to the above requests by XX/XX/year>. I expect full compliance in resolving this matter 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 non-monetary relief
Consumer complaint received 2025-02-18 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: NJ

Complaint narrative:
On XX/XX/XXXX, I was working on an identity theft breach on the Experian website where someone opened a checking account in my name. At this time, I discovered that my account information for contacting me about disputes is going to the wrong person. Thankfully, the person receiving all the correspondence happens to be my husband. While I was on the phone with the Experian escalation department, I asked them to correct my userid and password, so that I could get access to my Experian credit report online. On XX/XX/XXXX, I spoke with several individuals, including the member service dept. I was told to send over proof of identity. Once the proof of identity documentation was received, I was told that someone would call me. I faxed over the information requested by Experian with a cover letter and referenced the case id number I was given. I never received a phone call. When I tried to call back to follow up about the status the next day to make sure the fraud department received proof of the identity documents on XX/XX/XXXX, I could not get a person on the line because the automated service is limited on the responses I give. Tried again after months of frustration on XX/XX/XXXX and got the same response. I tried the automated system in hopes of speaking to a person. I spoke to XXXX and XXXX. XXXX just transferred me back to the automated system because he said the userid and password issue is a member service issue. The automated system connected me to XXXX. I asked XXXX to get me a person on the phone or the direct number to the member service department because the automated service didn't like my responses and kept disconnecting me. XXXX told me that he couldn't help me because " Experian 's company policy forbids them to connect me someone in another department directly and risked losing his job. '' I asked if he could get his supervisor on the phone and he said " The supervisor would do the same thing. '' So if I can't speak to a person to correct this problem, then how do I fix the problem.

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 2025-02-18 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: NJ

Complaint narrative:
Im filing this complaint because Equifax reported this unauthorized account : XXXX XXXX ( Account # XXXX ), and despite multiple disputes, it has not been removed. Under 15 U.S. Code 1692j, its illegal to furnish deceptive forms and credit reporting agencies are required to ensure the accuracy of reported information ( XXXX XXXX XXXX XXXX XXXX ). Ive asked for proof that this account is valid, such as the original contract or signed agreement but XXXX has failed to provide anything. This is my third request, and their lack of response is a clear violation of federal law, which requires a resolution within 30 days ( 15 USC 41, et seq. ). I remind you of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) establishes that credit reporting agencies may be liable for failing to follow reasonable procedures to ensure accurate reporting. It should not be on my credit report if they can't verify the account. I need this account removed immediately, and I expect written confirmation once its resolved. Willful non-compliance may further expose you to legal consequences

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal demand for the immediate removal of the unauthorized hard inquiry placed on my credit report by JPMCB Card on XX/XX/year>. I did not authorize this inquiry, and it is negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ), you are required to have my express consent before initiating a hard inquiry on my credit file. Since I have no record of approving this inquiry, its presence on my credit report is a violation of my consumer rights. 

I demand that you remove this unauthorized inquiry immediately and provide written confirmation of its removal. Failure to do so will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office. Additionally, I will explore legal action against JPMorgan Chase & Co. for violating federal credit laws.

I expect a written response within 15 days confirming that this hard inquiry has been removed. If you claim that I authorized this inquiry, you are legally required to provide documented proof of my consent. Failure to do so will be considered further evidence of noncompliance. 

I take this matter seriously and will not tolerate any delay or disregard for my consumer rights. Please address this issue promptly to avoid further action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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:
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 explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
This negative item does not meet the FCA reporting requirements. I do not recognize how and why this is reported. Delete immediately, please. I have attempted to contact this agency asking them to vary the proof of debt and they've denied my request. They continue to contact me and my parents through spam phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
So I already filed XXXX other complaints against XXXX XXXX  ( I do not work out at all ) Never did. Apparently these accounts were all opened in different years. This specific complaint account number is XXXX. Amount is for XXXX. They keep harassing me about this. Again, I did NOT open these accounts. My information was leaked on the dark web as I use a software that allows me to see and tell me that it was. Please kindly help me remove these balances.

Company response to consumer: Closed with explanation