vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-02-08 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account name XXXX, Account number XXXX, has violated my rights. 

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 : Also states a consumer reporting agency can not furnish a account without my written instruction.

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 2025-02-08 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: CT

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 account listed without my expressed written consent.

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 2025-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I am writing to formally submit a complaint regarding the recent denial of my application for a Best Buy store credit card. 

- Store Location : [ Best Buy, XXXX, Wisconsin XXXX location I applied for the Best Buy credit card on XX/XX/2025 with the expectation of using it for purchases at Best Buy stores and online to take advantage of the card 's benefits, such as rewards and special financing offers. However, I was informed that my application was denied. 

Reason Given for Denial : - Insufficient credit experience My Concerns : 1. Lack of Explanation : The denial was communicated without clear reasons or sufficient detail, which I believe violates the Equal Credit Opportunity Act ( ECOA ) that requires lenders to provide a specific reason for credit denial. 

2. Impact on Credit : The application process included a hard inquiry on my credit report, which could negatively affect my credit score, yet I was not afforded the opportunity to understand or address the issues leading to the denial. 

3. Potential Discrimination : I am concerned there might have been discriminatory practices at play, as I am not aware of any financial or credit-related issues that should have led to this outcome. I request an investigation into whether Best Buy 's credit decision-making is free from bias or discrimination. 

Requested Actions : - A detailed explanation for the denial of my credit application. 
- If applicable, steps I can take to rectify my situation and reapply for the credit card. 
- An opportunity to review my credit application data for accuracy. 
- Consideration for reevaluation of my application considering the above points. 

I trust that the CFPB will help resolve this matter in compliance with federal consumer protection laws. I look forward to your prompt response and assistance in this matter. 

Thank you for your attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that a credit inquiries was made by the credit inquiries listed below. However, these inquiries was not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that a credit inquiries was made by the credit inquiries listed below. However, these inquiries was not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-02-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: OH

Complaint narrative:
For almost 2 years I was making on time payments to Landmark financial through XXXX XXXX. But I ended up in a serious financial hardship and had to change debt consolidation companies to XXXX XXXX XXXX XXXX. By mistake I didn't contact Landmark about my hardship and change of debt consolidation companies. XXXX XXXX  made 2 different offers which they denied asking for the full amount and threats of wage garnishment if full amount isn't paid. I wasn't trying to avoid payments in any way

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: DE

Complaint narrative:
I am a victim of a Data Breach and Identity Theft. Please block and delete the following accounts within 4 business days under the Fair Credit Reporting Act Section 605B, 15 USC 1681c-2. Please block and delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Bad customer service rude and disrespectful. And fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: GA

Complaint narrative:
Despite a fraud alert on my account Experian allowed several entities pull my credit report without my consent or knowledge; creating a series of hard and soft inquiries. I demand all unauthorized inquiries be removed, the accessing of my credit file without my consent to stop, and the freeze on my account to be enforced! 
XXXX XXXX pulled my report without my consent on XX/XX/XXXX XXXX XXXX pulled my report without my consent on XX/XX/XXXX Consumerinfo.com pulled my report without my consent on XX/XX/XXXX XXXX XXXX pulled my report without my consent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX pulls my report weekly without my consent as I do not have an account with them. 
XXXX XXXX pulled my report without my consent on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX report without my consent on XX/XX/XXXX XXXX XXXX pulled my report without my consent on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX pulled my report without my consent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX  Option XXXX pulled my report without my consent on XX/XX/XXXX Transunion Interactive I pulled my report without my consent on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: GA

Complaint narrative:
Despite a fraud alert on my account Experian allowed several entities pull my credit report without my consent or knowledge; creating a series of hard and soft inquiries. I demand all unauthorized inquiries be removed, the accessing of my credit file without my consent to stop, and the freeze on my account to be enforced! 
XXXX XXXX pulled my report without my consent on XX/XX/XXXX XXXX XXXX pulled my report without my consent on XX/XX/XXXX Consumerinfo.com pulled my report without my consent on XX/XX/XXXX XXXX XXXX pulled my report without my consent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX pulls my report weekly without my consent as I do not have an account with them. 
XXXX XXXX pulled my report without my consent on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX report without my consent on XX/XX/XXXX XXXX XXXX pulled my report without my consent on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX pulled my report without my consent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX  Option XXXX pulled my report without my consent on XX/XX/XXXX Transunion Interactive I pulled my report without my consent on XX/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 2025-02-08 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: IN

Complaint narrative:
I am reaching out regarding an inquiry on my credit report that I did not authorize and that has no permissible purpose. This is a violation of my rights, and I am requesting that this unauthorized inquiry be promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per 15 USC 1611 Experian TransUnion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc XX/XX/XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As per 15 USC 1611 Experian TransUnion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc XX/XX/XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
I am writing to formally request the removal of an item from my credit report due to non-compliance with FCRA guidelines. The information in question fails to meet the standard for accuracy as outlined by 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 2025-02-08 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX Date XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by Experian. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable reinvestigation of any disputed information.

The following information on my credit report is incorrect : 1. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX I have attached supporting documentation, including identity theft reports which demonstrate that this information is inaccurate. Please forward this dispute along with all relevant documentation to the original furnisher of the disputed information, as required by law. 

Additionally, I request that you provide me with a written summary of the results of your reinvestigation, including any corrections made to my credit report. If you determine that the information is verified as accurate, please provide a detailed explanation of how this conclusion was reached and the contact information of the furnisher who verified the data. 

If this information can not be verified, I request its immediate deletion from my credit report as per the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) 15USC CODE 1681N,15 USC 1681o,15 USC 1681e,15 USC 1605, 15 USC 1681 15 U.S CODE 1681 ( S ) - 2 SubSection 1F 15 U.S CODE 1681 ( 4 ) 15 U.S CODE 1681 ( a ). Furthermore, I expect Experian to comply with its obligation to prevent the reinsertion of previously deleted information without proper certification and notice to me.

Please conduct this reinvestigation within the required 30-day period. I would appreciate a prompt response confirming receipt of this dispute. Should Experian fail to fulfill its legal obligations regarding this matter, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) or pursue other legal remedies. 

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

Sincerely, XXXX XXXX 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 2025-02-08 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX Date XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by Experian. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable reinvestigation of any disputed information.

The following information on my credit report is incorrect : 1. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX I have attached supporting documentation, including identity theft reports which demonstrate that this information is inaccurate. Please forward this dispute along with all relevant documentation to the original furnisher of the disputed information, as required by law. 

Additionally, I request that you provide me with a written summary of the results of your reinvestigation, including any corrections made to my credit report. If you determine that the information is verified as accurate, please provide a detailed explanation of how this conclusion was reached and the contact information of the furnisher who verified the data. 

If this information can not be verified, I request its immediate deletion from my credit report as per the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) 15USC CODE 1681N,15 USC 1681o,15 USC 1681e,15 USC 1605, 15 USC 1681 15 U.S CODE 1681 ( S ) - 2 SubSection 1F 15 U.S CODE 1681 ( 4 ) 15 U.S CODE 1681 ( a ). Furthermore, I expect Experian to comply with its obligation to prevent the reinsertion of previously deleted information without proper certification and notice to me.

Please conduct this reinvestigation within the required 30-day period. I would appreciate a prompt response confirming receipt of this dispute. Should Experian fail to fulfill its legal obligations regarding this matter, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) or pursue other legal remedies. 

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

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
A delinquent account appeared on my Experian report XX/XX/year>. I filed a dispute directly with them and was told it would take up to 30 days to resolved. I recently received a response for Experian that the account was reported correctly. No documentation was provided to me confirming the account if fact was related to me. Experian also added an address to my report that I've never been associated with.

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