vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Information and Challenge to the Fairness of 1681s-2 ( a ) ( 8 ) and 1681j ( a ) ( 1 ) ( A ) of the FCRA Dear [ Credit Reporting Agency ] , I am writing to formally dispute the accuracy of certain information in my credit report issued by your agency. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request an investigation of inaccurate information appearing on my credit report. 

The disputed information is as follows : [ Provide details of the disputed items, including account names, numbers, and the inaccuracies in question to my rights under the FCRA, I request that you investigate and correct these inaccuracies or delete the disputed information from my credit report if it can not be verified. 

Additionally, I would like to raise concerns regarding the fairness and adequacy of 1681s-2 ( a ) ( 8 ) and 1681j ( a ) ( 1 ) ( A ) of the FCRA : Section 1681s-2 ( a ) ( 8 ) : This provision limits a consumers ability to dispute inaccurate information directly with data furnishers. The restriction undermines consumer rights by preventing direct engagement with entities that supply potentially erroneous data. It places undue reliance on credit reporting agencies, which may not have sufficient motivation or resources to thoroughly investigate disputes. 

Section 1681j ( a ) ( 1 ) ( A ) : The fee requirement for obtaining credit reports can impose an unnecessary burden on consumers attempting to monitor their financial health. Given the significant impact that credit reports have on individuals ' economic opportunities, access to these reports should be more readily available without financial impediments. 

These statutory limitations raise questions about the fairness of the credit dispute process and the extent to which consumers can effectively ensure the accuracy of their credit reports. I urge your agency to recognize these concerns and work toward a more transparent and consumer-friendly dispute resolution process. 

In accordance with the FCRA, I expect a response within 30 days of your receipt of this letter. Please provide me with written confirmation of any corrections made or an explanation if the disputed information is verified as accurate. If you require any further information, please contact me at the details provided above. 

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 2025-02-25 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: TX

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Information and Challenge to the Fairness of 1681s-2 ( a ) ( 8 ) and 1681j ( a ) ( 1 ) ( A ) of the FCRA Dear [ Credit Reporting Agency ] , I am writing to formally dispute the accuracy of certain information in my credit report issued by your agency. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request an investigation of inaccurate information appearing on my credit report. 

The disputed information is as follows : [ Provide details of the disputed items, including account names, numbers, and the inaccuracies in question to my rights under the FCRA, I request that you investigate and correct these inaccuracies or delete the disputed information from my credit report if it can not be verified. 

Additionally, I would like to raise concerns regarding the fairness and adequacy of 1681s-2 ( a ) ( 8 ) and 1681j ( a ) ( 1 ) ( A ) of the FCRA : Section 1681s-2 ( a ) ( 8 ) : This provision limits a consumers ability to dispute inaccurate information directly with data furnishers. The restriction undermines consumer rights by preventing direct engagement with entities that supply potentially erroneous data. It places undue reliance on credit reporting agencies, which may not have sufficient motivation or resources to thoroughly investigate disputes. 

Section 1681j ( a ) ( 1 ) ( A ) : The fee requirement for obtaining credit reports can impose an unnecessary burden on consumers attempting to monitor their financial health. Given the significant impact that credit reports have on individuals ' economic opportunities, access to these reports should be more readily available without financial impediments. 

These statutory limitations raise questions about the fairness of the credit dispute process and the extent to which consumers can effectively ensure the accuracy of their credit reports. I urge your agency to recognize these concerns and work toward a more transparent and consumer-friendly dispute resolution process. 

In accordance with the FCRA, I expect a response within 30 days of your receipt of this letter. Please provide me with written confirmation of any corrections made or an explanation if the disputed information is verified as accurate. If you require any further information, please contact me at the details provided above. 

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 2025-02-25 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 explanation
Consumer complaint received 2025-02-25 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: GA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by Experian, XXXX, XXXX, and various debt collectors. These violations have negatively impacted my creditworthiness, financial well-being, and consumer rights. Despite my attempts to address these issues, they remain unresolved, necessitating immediate regulatory intervention. 

XXXX. FCRA Violations ( 15 U.S.C. 1681 et seq. ) a. Reporting Inaccuracies ( 15 U.S.C. 1681s-2 ) Several accounts report inconsistent balances, charge-off statuses, and payment histories across different bureaus, including but not limited to : XXXX XXXX XXXX Portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to Investigate Disputes ( 15 U.S.C. 1681i ) The credit bureaus failed to conduct a reasonable reinvestigation into disputed accounts, as required by federal law. 


c. Re-aging of Debt ( 15 U.S.C. 1681c ) Certain collection accounts, including XXXX XXXX XXXX, appear to have new open dates that do not reflect the original default date, unlawfully extending the reporting period. 


d. Duplicate Accounts ( 15 U.S.C. 1681e ( b ) ) Some debts are being reported multiple times under different collection agencies, artificially inflating my total debt burden.

e. Failure to Mark Accounts as Disputed ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) Credit bureaus and furnishers have failed to mark disputed accounts as Disputed by Consumer, a direct violation of federal law.

2. FDCPA Violations ( 15 U.S.C. 1692 et seq. ) a. Attempts to Collect Unverified Debt ( 15 U.S.C. 1692g ) Collection agencies, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, have continued collection efforts without providing proper validation of the debts upon request. 


b. Harassment and Misrepresentation ( 15 U.S.C. 1692d, 1692e ) Some collectors have engaged in misleading and aggressive collection practices, including falsely implying legal consequences.

c. Reporting of Time-Barred Debt ( 15 U.S.C. 1692f ) Certain debts, such as XXXX XXXX XXXX and XXXXXXXX XXXX may be past the statute of limitations, meaning they should not be pursued for collection or reported. 


d. Failure to Identify Debt Ownership ( 15 U.S.C. 1692g ( b ) ) Some collection accounts do not clearly identify the original creditor, violating my right to proper debt validation

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 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RSI Enterprises, Inc.
State: GA

Complaint narrative:
On XX/XX/year> I received a letter from XXXX XXXX, a self described debt collector claiming I owe {$1200.00} to a company I have had no contact with, XXXX XXXX XXXX XXXX. The letter offers the option to send the money directly to XXXX XXXX ... they include an account number, XXXX. Is this a fraud attempt? Or has someone stolen my identity?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Got a call today saying they have not heard from me or my attorney? As if Ive told them I have an attorney? I havent not called them back regarding this matter as I have another complaint against this same company for calling family members. I feel the way they are contacting me and family at this point has become harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XXXX : Applied for XXXX loan at XXXX, advertised as 4.49 %. Pre-approved for 9.99 %, representative couldnt explain why I wasnt qualified for 4.49 % as advertised. I cancelled the application. 

XXXX : Spoke to bank manager asked why I didnt qualify for the lowest rate. He explained he didnt know why and I would need to call the loan department. 

XXXX : Contacted the loan department, they said they were unable to explain specifically why I was not qualified for the advertised rate. Escalated to supervisor who restated they couldnt explain exactly why I didnt qualify for the lowest rate. I spoke to a third rep, and another supervisor, all were unable to explain specifically why I wasnt qualified for the lowest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 explanation
Consumer complaint received 2025-02-25 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: LA

Complaint narrative:
This incorrect information is clearly causing damage to my credit profile, which is entirely unjustified. It is essential that this issue be addressed without delay. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report, and I expect nothing less than full compliance with the law in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: NY

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: NY

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

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 2025-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I attempted to have things removed off my credit that I didnt give authorization to and they have failed to provide me with proof that the debt is mine and refuse to delete

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 2025-02-25 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX & XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief