vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX XXXX XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. XXXX. Balance : {$6900.00}, XXXX. Balance : {$6300.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Reported Date : XX/XX/year>

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ProVisor, Inc.
State: WI

Complaint narrative:
I had been working with proviser mortgage company and the had ran my credit in XXXX, XXXX, and XXXX  times in XXXX of same year. I did not give them permission to run it XXXX  times. I was unaware of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

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 2025-02-07 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 received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-02-07 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: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
Do to the data breach my information was misused I got a letter from a credit bureau of some trying to apply for a job with my information and different amounts on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, MI, XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Information Due to Data Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies present on my credit report, which I believe are the result of a data breach. As per the recent legal developments surrounding data breaches, including the ongoing lawsuits involving Experian and XXXX, it has come to my attention that my personal information may have been exposed, potentially affecting the accuracy and integrity of my credit file.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable. I am requesting that you investigate the fraudulent or erroneous accounts and permanently remove them from my report. I am also invoking my right under Section 1681c-1, which provides for the removal of information resulting from identity theft or other breaches of security. Furthermore, as a consumer, I am entitled to a fair process, and I request that the information be corrected or removed in accordance with FCRA guidelines.

The data breach that exposed my personal information has had a profound impact on my financial life. I have been denied access to credit cards, auto loans, and have been subjected to higher interest rates as a result of this breach. These actions are not only unjust but are also a violation of my rights under the FCRA. Section 1681e ( b ) requires credit reporting agencies to maintain accurate and complete records. Clearly, the presence of these erroneous accounts violates that section of the law.

I am giving you five ( 5 ) days to take corrective action and remove the inaccurate information from my credit report. Failure to do so will leave me with no choice but to seek legal remedies for the damages I have suffered as a direct result of your failure to comply with the FCRA. Under FCRA Section 1681n and 1681o, I am entitled to seek statutory and actual damages, along with any legal fees, should I be forced to take legal action.

Please provide written confirmation of the removal of these accounts from my credit reports within five days. If you require additional documentation to proceed, please notify me immediately.

Thank you for your attention to this matter. I look forward to your prompt resolution. 
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 2025-02-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
CONSUMER ADJUSTMENT CO XXXX XXXX, MO XXXX Date open : XX/XX/year> Original amount : {$280.00} Balance : {$390.00} This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Foreclosure
Company: WINCHESTER SELLERS FOSTER & STEELE PC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX  XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : Complaint Regarding Foreclosure Sale Despite Filed Temporary Restraining Order Dear CFPB, I am writing to file a formal complaint concerning a foreclosure sale that occurred on my property, despite my filing of a Temporary Restraining Order ( TRO ) with the court. This situation has caused significant distress and financial harm, and I believe it warrants your immediate attention. The details of my case are as follows : - XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX * * Case Number : XXXX * * Date TRO Filed : * * XX/XX/XXXX Despite the legal protection provided by the TRO, XXXX proceeded with the foreclosure sale, directly violating the court 's order. This action not only undermines the legal process but also raises serious concerns about XXXX 's compliance with state and federal regulations regarding foreclosure practices. I have made numerous attempts to communicate with XXXX regarding my situation and to seek a resolution, including submitting loss mitigation packets and requesting mediation. However, these efforts have been ignored or denied, leading to this unfortunate outcome. 

I respectfully request that the CFPB investigate this matter, as it reflects poorly on XXXX 's adherence to consumer protection laws and ethical lending practices. It is crucial that consumers are safeguarded from such violations, especially when they are actively seeking to resolve their financial issues through legal channels. Thank you for your attention to this pressing matter. I look forward to your response and any assistance you can provide. 

Sincerely, XXXX XXXX RE : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: AC AutoPay LLC, Denver, CO Branch
State: MO

Complaint narrative:
I never went under a contract with this company and they don't have a record or any type of contract saying that I did and under the law they have to present paperwork which they have not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: OpenRoad Lending
State: MO

Complaint narrative:
I never went under a contract with this company and they don't have a record or any type of contract saying that I did and under the law they have to present paperwork which they have not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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 2025-02-07 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: FL

Complaint narrative:
I recently received a copy of my 3 bureaus consumer report and I noticed some inaccurate information posted on my consumer report : XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$49000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
I recently received a copy of my 3 bureaus consumer report and I noticed some inaccurate information posted on my consumer report : XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$49000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: V and H Portfolio
State: CA

Complaint narrative:
I have asked VANCE & HUFFMAN LLC to send me a letter stating to send me proof of purchase from this company. I have never received a service or purchased anything from this particular company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: AL

Complaint narrative:
This company purchased this account from XXXX and has done nothing but report it to the credit bureaus. They refused to provide any documents or information I have requested. Also I have disputed the account numerous times and the credit bureaus never provide anything that connects me to the account except my name and the address of XXXX XXXX the XXXX XXXX XXXXXXXX XXXX who stole my information and rented an apartment, bought this phone and stole money from my bank XXXX which documented the theft and reimbursed me. I am a customer of XXXX XXXX and they agreed it was not my account. XXXX XXXX is in XXXX  awaiting grand jury indictments for identity theft

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 2025-02-07 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: AL

Complaint narrative:
This company purchased this account from XXXX and has done nothing but report it to the credit bureaus. They refused to provide any documents or information I have requested. Also I have disputed the account numerous times and the credit bureaus never provide anything that connects me to the account except my name and the address of XXXX XXXX the XXXX XXXX XXXX XXXX who stole my information and rented an apartment, bought this phone and stole money from my bank XXXX which documented the theft and reimbursed me. I am a customer of XXXX XXXX and they agreed it was not my account. XXXX XXXX is in XXXX  awaiting grand jury indictments for identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: HI

Complaint narrative:
[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Experian Dispute Department po box XXXX, XXXX, TX XXXX Subject : Urgent Dispute of Inaccurate Information Immediate Action Required To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. Despite my prior attempts to correct these errors, Experian has failed to comply with 15 USC 1681i and 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ) by not conducting a proper investigation.

Additionally, the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian alleges that your company fails to properly investigate disputes and reinserts inaccurate information, which aligns with my experience. 
Disputed Items Creditor Name & Account Number : XXXX XXXX XXXX # XXXX, and XXXXXXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : [ e.g., This account is not mine/ Incorrect balance / Incorrect payment history. ] Requested Action : Remove or correct the error immediately. 
Supporting Documents : [ e.g., Payment records, identity theft affidavit, police report. ] Experians Failure to Investigate I previously disputed this on [ XXXX ], but you failed to conduct a legitimate investigation. 
Your actions violate federal law, causing harm to my creditworthiness and financial well-being. 
Given the CFPBs lawsuit, I am holding Experian accountable for any continued noncompliance.

Urgent Resolution Required Within 3-4 Days I demand that Experian : Immediately delete or correct the disputed information within 3 to 4 days to avoid further legal escalation.

Provide a written confirmation of corrections made to my credit file.

Ensure full compliance with the FCRA to prevent further harm.

If Experian fails to act within 4 days, I will : File a formal complaint with the CFPB, FTC, and state consumer protection agencies.

Pursue legal action for damages under 15 USC 1681o for negligent noncompliance.

This matter is urgent and requires immediate attention. I expect your written response within 4 days from the date of this letter. 
Sincerely, [ XXXX XXXX XXXX Attachments : Copy of credit report with disputed items highlighted Supporting documents ( e.g., proof of payment, identity theft affidavit, police report ) Previous dispute letters and Experians responses ( if any ) This letter makes it clear that you expect action within 3-4 days instead of 30 days, using legal pressure from the CFPB lawsuit to back your demand. Let me know if you want any further tweaks!

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 2025-02-07 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation. Thanks.

Company response to consumer: Closed with non-monetary relief