vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report, which I obtained from Equifax Upon reviewing my report, I found several errors that I believe require immediate correction. The items in question are listed below : XXXX XXXX XXXX  XXXX XXXXXXXX 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 Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to conduct a thorough investigation of disputed items on consumer credit reports. However, I am aware that the Consumer Financial Protection Bureau ( CFPB ) is currently pursuing legal action against Equifax for alleged failure to conduct proper investigations as mandated by law. Given this, I am particularly concerned that my dispute will not be handled with the diligence required under the FCRA. I am requesting that Equifax conduct a comprehensive and timely investigation into my dispute and provide me with written confirmation of the outcome within XXXX  days, as required by law. If the investigation determines that the disputed information is inaccurate or can not be verified, I request its immediate removal or correction. Please send your written response to my address listed above or contact me directly at XXXX if you require additional information. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXX/XX/XXXX has violated my rights. 


XXXX XXXX FIN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 


I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Global Lending Services LLC
State: SC

Complaint narrative:
I reach out to these companys to see who asks them to pull my credit report. These are unauthorized. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAROLINA FINANCE, LLC
State: SC

Complaint narrative:
I reach out to these companys to see who asks them to pull my credit report. These are unauthorized. 

XX/XX/XXXXXXXXXX/XX/XXXX,2023 XX/XX/XXXXXXXX2023 XX/XX/XXXX XX/XX/XXXX,2023 XX/XX/XXXX2023 XXXXXX/XX/XXXX,2023 XX/XX/XXXXXXXX XX/XX/XXXX,2023 XX/XX/XXXX,2023 XXXX XX/XX/XXXXXX/XX/XXXX2023 XX/XX/XXXX,2023 XX/XX/XXXX,2023

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize this inquiry at all. It is not mines. 
XX/XX/XXXX 2025

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any credit inquiries that I have made. It is the result of identity theft. 

I did not authorize the following credit inquiries that were a result of the identity theft : XXXX XXXXXXXX XX/XX/year> XX/XX/year> Please remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any credit inquiries that I have made. It is the result of identity theft. 

I did not authorize the following credit inquiries that were a result of the identity theft : XXXX XXXXXXXX XX/XX/year> XX/XX/year> Please remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply.

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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, Citi 's response to my complaint contains blatantly incorrect information. Citi responded saying that they were unable to reach me by phone several times to verify the requested balance transfer. Per my initial complaint with the CFPB, I detailed each incidence in which I spoke to Citi 's customer service agents and the successful verifications. How exactly does that constitute being unable to reach me to verify my identity, when I was the one that had to call into Citi multiple times after verifying my account on several instances? In addition, I was a pre-existing Citi consumer credit customer of many years. Why would Citi need to ( successfully ) verify my identity on several occasions, exhausting the connected methods that had been on my account for years? 

Regarding the credit inquiry dated XX/XX/year>, that wasnt even the day I applied for the Citi XXXX XXXX XXXX. I applied for the card on XX/XX/year>, so why would there even be a hard inquiry on XX/XX/year>? This needs to be addressed, as I did not authorize an inquiry on XX/XX/year>. 

Based on the response I received to my CFPB complaint, it appears there wasnt an adequate investigation into the various calls and fraud verifications that I detailed in the complaint. 

Considering all of this, and the fact that I was unable to even use the card for its advertised purpose, I am requesting that the account is removed from 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 2025-02-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint against Experian and Equifax for the unauthorized reinsertion of previously deleted accounts on my credit report. This action directly violates the Fair Credit Reporting Act ( FCRA ) guidelines, specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which outlines the proper procedures for reinserting information. 
Details of the Issue : Name : XXXX XXXX Address : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/year> SSN : XXXX Credit Bureaus Involved : Experian and Equifax Account ( s ) in Question : XXXX XXXX, XXXX, XXXX Violations and Concerns : 1. Failure to Notify ; I was not informed in writing within five business days that the accounts were being reinserted, as required by law.

2. Lack of Certification ; The credit bureaus did not provide proper certification from the data furnisher verifying the accuracy of the reinserted accounts. 
3. Failure to Provide a Summary of Rights ; I did not receive any documentation explaining my rights regarding the reinsertion.

These violations have caused significant harm, including a negative impact on my credit score and potential denials for credit opportunities.

Requested Resolution : 1. Immediate Removal I demand the immediate removal of the reinserted accounts from my credit file.

2. Written Explanation I request written confirmation detailing the reason for the reinsertion and the certification process used. 
3. Compliance Assurance I ask that Experian and Equifax implement corrective measures to prevent future unauthorized reinsertions.

Please investigate this matter promptly and provide a resolution. If necessary, I am prepared to escalate my complaint to legal channels. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The company XXXX XXXX XXXX is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act. As the letter I wrote to THE company clearly states that I opt-out of all authorization I might have given you written unwritten verbal or nonverbal. According to the Privacy Act of 1974 my WRITTEN CONSENT IS REQUIRED for you to report anything to a XXXX party vendor. According to 15 USC 6802 obligations with respect to disclosures of information section B Opt-out I was not given an opt-out notice or an explanation of how I can exercise my right to my nondisclosure option. According to 15 USC 1681a IT IS ILLEGAL TO REPORT TRANSACTION HISTIORY. YOU ARE IN VIOLATION 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 explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc
State: TX

Complaint narrative:
The creditor keeps reporting incorrect information this is not a debt that I owe. 

XXXX XXXX XXXX XXXX XXXX Corporate XXXX FL XXXX - Debt Collection {$3500.00} this was a write off and a domestic XXXX issue under XXXX - XXXX Against Womens Act They XXXX XXXX XXXX this derogatory account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: KY

Complaint narrative:
I have contacted the company several times to receive my 1099C form and get no response. I got into a Finanancial hardship an was unable to pay the personal loan. In XX/XX/year> I noticed that is was reported to my credit report as charged off. I reach out to the company in XX/XX/year> XX/XX/year>, and XX/XX/year> to get a XXXX they have failed to send it to me as i have requested to file on my taxes as income as the filed a profit loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Your company has inquiries listed on my credit report that I never agreed to, and theyre negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to inform you that there has been unauthorized and fraudulent use of my identity. An account has been opened in my name without my consent, and I demand that this fraudulent account be 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 non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WA

Complaint narrative:
In XX/XX/year>, I signed a one-year lease for an apartment in XXXX, Delaware. Due to a layoff in XX/XX/year>, I was forced to relocate back to my family in XXXX and thus had to terminate my lease early. I provided my landlord with XXXX months ' advance notice of my intent to vacate and paid rent for that entire notice period. Despite this, after I vacated the apartment, the landlord demanded payment for the remaining term of the lease and withheld my security deposit. The landlord had the opportunity to re-rent the apartment, as there was reportedly demand for rentals in the area, but chose not to do so. They have now referred the matter to a collection agency, which has reported the unauthorised debt to credit bureaus, negatively impacting my 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX 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 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
The company CAINE & WEINER is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act. As the letter I wrote to THE company clearly states that I opt-out of all authorization I might have given you written unwritten verbal or nonverbal. According to the Privacy Act of 1974 my WRITTEN CONSENT IS REQUIRED for you to report anything to a 3rd party vendor. According to 15 USC 6802 obligations with respect to disclosures of information section B Opt-out I was not given an opt-out notice or an explanation of how I can exercise my right to my nondisclosure option. According to 15 USC 1681a IT IS ILLEGAL TO REPORT TRANSACTION HISTIORY. YOU ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation