vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MI

Complaint narrative:
I am requesting an investigation into accounts from companies that are wrongly marking late payments on my credit report. Upon review, I found inaccuracies in these accounts, and there should be no late payment remarks on 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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

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

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CrossCountry Mortgage LLC
State: KY

Complaint narrative:
My file was submitted to underwriting with XXXX paystub when I submitted XXXX to the loan originator. Processing took a week off to move offices and not work my file. Underwriter found service cable to house needing to be replaced and now no one will ask for a rush revised appraisal after its been know the seller doesnt want to get out on the closing date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: AZ

Complaint narrative:
According to the Consumer Financial Protection Bureau ( CFPB ), Equifax has a history of failing to investigate consumer disputes properly, even leading to legal action for non-compliance with the Fair Credit Reporting Act ( FCRA ). 

Federal law ( 15 U.S.C. 1681i ) requires Equifax to conduct a thorough reinvestigation of disputed items within 30 days. Any inaccurate, incomplete, or unverifiable information must be removed. 

I am disputing the following items that should have already been resolved : XXXX XXXX XXXX XXXX - XX/XX/year> I have provided supporting documentation multiple times, yet these errors remain. This failure to act is causing ongoing financial harm. I expect a proper investigation and resolution immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Last time when I checked my credit report, I have found XXXX fraudulent inquiry on my credit report. This is a fraudulent inquiry. I have never authorized it and I have never submit it. 
Here are all the details of this inquiry : CBNA XXXX XXXXXX/XX/year> and it shows me only on 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 2025-02-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: MT

Complaint narrative:
On XX/XX/year>, I received written communication from national Enterprise Systems on behalf of XXXX XXXX XXXX for XXXX accounts. In that communication, Enterprise notes, " Due to the age of your account XXXX XXXX XXXX is not able to file suit against you but if you take certain specific action, such as making payment or making a written promise to pay, the time for filing a suit may be reset. '' The statute of limitations on this debt has run. I have never entered into any written agreement or contract with XXXX XXXX XXXX. Please remove from my credit report and ensure no further contact from this debt collector or XXXX XXXX XXXX. Debt collectors ' account reference numbers are : XXXX and 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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX has continuously reported this account inaccurately on my credit report. Everything is about accuracy, and if this account is not deleted immediately, I will sue XXXX for statutory damages. Under 15 U.S.C. Sec. 1681n ( a ) ( 1 ) ( A ), I can seek damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge off while still claiming you owe the debt. 

XXXX is reporting this account as a repossession on my consumer report, and has responded to CFPB Complaint # XXXX indicating the account was charged off. 
It is obvious that my rights have been violated and Neither the credit reporting agencies, CFPB or XXXX has taken the proper steps to resolve this issue. I have provided documentation showing clear proof that this account is reporting inaccurately and my continuous requests for deletion ( which is required by law ) has been ignored. 

I submitted a complaint about this issue on XX/XX/year> to CFPB and it has been over 60 days and the issue has not been resolved. 
Agency Compliance Specialist XXXX from XXXX also reached out to me in hopes to " resolve '' this issue, but when she was notified that I was recording the call for my own security, she had nothing to say, verified who I was and ended the call.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX has continuously reported this account inaccurately on my credit report. Everything is about accuracy, and if this account is not deleted immediately, I will sue XXXX for statutory damages. Under 15 U.S.C. Sec. 1681n ( a ) ( 1 ) ( A ), I can seek damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge off while still claiming you owe the debt. 

XXXX is reporting this account as a repossession on my consumer report, and has responded to CFPB Complaint # XXXX indicating the account was charged off. 
It is obvious that my rights have been violated and Neither the credit reporting agencies, CFPB or XXXX has taken the proper steps to resolve this issue. I have provided documentation showing clear proof that this account is reporting inaccurately and my continuous requests for deletion ( which is required by law ) has been ignored. 

I submitted a complaint about this issue on XX/XX/year> to CFPB and it has been over 60 days and the issue has not been resolved. 
Agency Compliance Specialist XXXX from XXXX also reached out to me in hopes to " resolve '' this issue, but when she was notified that I was recording the call for my own security, she had nothing to say, verified who I was and ended the call.

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 2025-02-20 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:
I am formally disputing the reinsertion of the XXXX XXXX account on my TransUnion credit report. This account was previously removed but has now been reinserted, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ), which mandates that if an account is reinserted, I must be notified in writing within XXXX business days, including the name of the party that provided the new information. To date, I have not received such notice. 

Furthermore, you have stated that this account has been verified. Under the FCRA 611 ( a ) ( 7 ), I demand that you provide me with a detailed method of verification, including : XXXX. The name, address, and direct contact information of the individual or entity that verified this account. 
XXXX. The specific process used to verify the accuracy of this account. 
XXXX. A copy of the original application or contract with my wet ink signature proving I agreed to this account under legally binding terms. ( DO NOT SEND ACCOUNT STATEMENTS ) Under FCRA 609 ( a ) ( 1 ) ( A ), I have the right to full disclosure of all information in my file, including any supporting documents used to validate this account. If TransUnion can not provide tangible proof of my legal obligation to this account, you are required to delete it immediately under FCRA 611 ( a ) ( 1 ) ( A ), which states that any information that can not be verified must be removed.

Additionally, reinserting an account without proper notification violates FCRA 611 ( a ) ( 5 ) ( B ), and continued reporting of unverifiable information is considered willful noncompliance under FCRA 623 ( a ) ( 3 ). If this matter is not resolved promptly, I will be forced to escalate this issue with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursue legal action against TransUnion for damages under FCRA 616 and 617.

I demand that this account be permanently deleted from my credit report unless you can provide the legally required proof. You have 30 days from the receipt of this letter to comply. Failure to do so will result in further action.

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 2025-02-20 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: PA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: KY

Complaint narrative:
Dear Transunion This letter serves my official demand for the immediate correction of inaccurate and unverifiable XXXX reported on my credit file. Despite previous disputes, you have failed to perform a Proper investigation as required by law under the Fair Credit Reporting Act ( FCRA ). 
Your continued failure constitutes a willful non-compliance, fraudulent misrepresentation and violation of my rights under federal law. 

The following violations have been identified under both the FCRA and XXXX XXXX XXXX guidelines, requiring immediate attention : Failure to Investigate Properly FCRA section 611 ( a ) XXXX XXXX XXXX XXXX Reporting inaccurate information FCRA section 623 ( a ) ( XXXX XXXX XXXX XXXX XXXX XXXX Willful Non-Compliance FCRA section 616 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My report shows late payments, an incorrect monthly payment amount, and a past due amount that does not match my records. 
XXXX XXXX XXXX XXXX Account # XXXX My report shows late payments and a past due In accordance with the law mentioned above, I request that you provide all document with my signature ( to include any and all contracts and payments ), method of verification, name and phone number of personal you spoke with. Please include a copy of my updated credit report once the inaccuracies have been corrected. 
Thank you for your immediate attention to this matter. I look forward to your timely response.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One placed a restriction on my account and is holding the funds in the account from my direct deposit and refusing to return them to me until I visit a branch. The closest branch to me is XXXX miles away so I am not able to visit one. I spoke with XXXX, Fraud Supervisor, on the phone today XX/XX/year> and explained the situation and she told me that Capital One will hold the funds indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: AZ

Complaint narrative:
Here is the list of fraudulent inquiries : XXXXXXXX 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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report contains late payment records that I strongly believe are incorrect and potentially linked to a data breach. These disputed items are : XXXX XXXXXXXX XXXX, XXXX. - XXXX - {$62000.00} XXXX XXXX XXXX - XXXX - {$20000.00} BANK XXXX XXXX - XXXX - {$2000.00} These records do not reflect my actual payment history. I have submitted documentation proving their inaccuracy, yet no corrections have been made. This has negatively affected my credit standing, and the continued delay in resolving this is unacceptable. 

The Fair Credit Reporting Act ( FCRA ) mandates that all credit information must be accurate. Any incorrect, outdated, or unverifiable records should be updated or removed immediately. I expect swift action to fix these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I asked the company for a 1099-C per the company is showing the amount as charged off but still show that amount currently due. The company has filed an insurance claim for the fill charged off amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NJ

Complaint narrative:
There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation