vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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:
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/year> 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Hello, I have a bank account that is a joint bank account with my husband. I have an old business account with the same bank. I was behind on a credit card payment with the bank and they took money as an offset from my personal account that I have with my husband This bank is XXXX XXXX XXXX. When I called them, they told me thats exactly what they did. This has put me in serious financial despair they did not let me know they were going to do this and I am not the original credit card holder. The original holder carry XXXX is deceased.

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 2025-03-05 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: MI

Complaint narrative:
Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my credit report. Please verify or remove immediately the following accounts : XXXX Bank XXXX  XXXX I dont recognize this lender and account. Please remove this inaccurate information from my credit report. The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX I previously disputed this inquiry stating : " I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. '' I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the inquiry for this account, or delete the negative information in this account. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. Sincerely, 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 2025-03-05 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: MI

Complaint narrative:
Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my credit report. Please verify or remove immediately the following accounts : XXXX Bank XXXX  XXXX I dont recognize this lender and account. Please remove this inaccurate information from my credit report. The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX I previously disputed this inquiry stating : " I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. '' I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the inquiry for this account, or delete the negative information in this account. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. Sincerely, 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 explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally demand the exclusion of specific transactions from my consumer report under the provisions of 15 U.S.C. 1666b. This statute mandates that, to be included on my credit report, creditors must provide all required disclosures per 15 U.S.C. 1637 ( b ) at least 21 days before the payment due date. Failure to meet this disclosure requirement invalidates these transactions ' reporting, and XXXX has a legal obligation to exclude such inaccurately reported information. 

The following transactions are at issue : 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 The lack of timely disclosure of these transactions violates my rights under the Truth in Lending Act, specifically sections 15 U.S.C. 1637 ( b ) and 15 U.S.C. 1666b. Courts have repeatedly upheld that credit reporting agencies must ensure the accuracy of information on consumer reports and are obligated to remove or exclude items reported without proper disclosure. Relevant case law includes : XXXX. XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX ( XXXX ) which established that failure to provide mandatory disclosures under the Truth in Lending Act constitutes grounds for consumer protection action, affirming that consumers have the right to accurate information on their reports.

2. **Mourning v. Family XXXX XXXX XXXX XXXX XXXX 411 U.S. 356 XXXX XXXX ) which highlighted that creditors must meet strict compliance standards, including providing timely disclosures as outlined by the Truth in Lending Act. 

3XXXX XXXX XXXX Trans Union XXXX XXXX XXXX Co.**, XXXX XXXX XXXX ( XXXX Cir. XXXX ) which reinforced that credit reporting agencies bear a responsibility to verify the legality and accuracy of information on consumer reports, and failure to investigate properly can result in statutory violations. 

Given the above, I am requesting that XXXX immediately exclude these transactions from my consumer report, as their inclusion violates federal regulations and undermines the accuracy and integrity of my report. 

This demand is made in line with the requirements of the Fair Credit Reporting Act and the Truth in Lending Act. 

Please provide written confirmation within 15 days that these items have been excluded from my report. 

Failure to do so will compel me to pursue all legal remedies available, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and any necessary legal action. 

I trust that XXXX will address this matter promptly and uphold its obligation to maintain accuracy on consumer credit reports.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally demand the exclusion of specific transactions from my consumer report under the provisions of 15 U.S.C. 1666b. This statute mandates that, to be included on my credit report, creditors must provide all required disclosures per 15 U.S.C. 1637 ( b ) at least 21 days before the payment due date. Failure to meet this disclosure requirement invalidates these transactions ' reporting, and Experian has a legal obligation to exclude such inaccurately reported information. 

The following transactions are at issue : 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 The lack of timely disclosure of these transactions violates my rights under the Truth in Lending Act, specifically sections 15 U.S.C. 1637 ( b ) and 15 U.S.C. 1666b. Courts have repeatedly upheld that credit reporting agencies must ensure the accuracy of information on consumer reports and are obligated to remove or exclude items reported without proper disclosure. Relevant case law includes : XXXX. XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX ( XXXX ) which established that failure to provide mandatory disclosures under the Truth in Lending Act constitutes grounds for consumer protection action, affirming that consumers have the right to accurate information on their reports. 

XXXX XXXX vXXXX XXXX XXXX XXXX XXXX XXXX XXXX 411 U.S. 356 XXXX XXXX ) which highlighted that creditors must meet strict compliance standards, including providing timely disclosures as outlined by the Truth in Lending Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co.**, XXXX XXXX XXXX ( XXXX Cir. XXXX ) which reinforced that credit reporting agencies bear a responsibility to verify the legality and accuracy of information on consumer reports, and failure to investigate properly can result in statutory violations. 

Given the above, I am requesting that Experian immediately exclude these transactions from my consumer report, as their inclusion violates federal regulations and undermines the accuracy and integrity of my report. 

This demand is made in line with the requirements of the Fair Credit Reporting Act and the Truth in Lending Act. 

Please provide written confirmation within 15 days that these items have been excluded from my report. 

Failure to do so will compel me to pursue all legal remedies available, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and any necessary legal action. 

I trust that Experian will address this matter promptly and uphold its obligation to maintain accuracy on consumer credit reports.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally demand the exclusion of specific transactions from my consumer report under the provisions of 15 U.S.C. 1666b. This statute mandates that, to be included on my credit report, creditors must provide all required disclosures per 15 U.S.C. 1637 ( b ) at least 21 days before the payment due date. Failure to meet this disclosure requirement invalidates these transactions ' reporting, and XXXX has a legal obligation to exclude such inaccurately reported information. 

The following transactions are at issue : 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 The lack of timely disclosure of these transactions violates my rights under the Truth in Lending Act, specifically sections 15 U.S.C. 1637 ( b ) and 15 U.S.C. 1666b. Courts have repeatedly upheld that credit reporting agencies must ensure the accuracy of information on consumer reports and are obligated to remove or exclude items reported without proper disclosure. Relevant case law includes : XXXX. XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX ( XXXX ) which established that failure to provide mandatory disclosures under the Truth in Lending Act constitutes grounds for consumer protection action, affirming that consumers have the right to accurate information on their reports. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which highlighted that creditors must meet strict compliance standards, including providing timely disclosures as outlined by the Truth in Lending Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Co.**, XXXX XXXX XXXX ( XXXX Cir. XXXX ) which reinforced that credit reporting agencies bear a responsibility to verify the legality and accuracy of information on consumer reports, and failure to investigate properly can result in statutory violations. 

Given the above, I am requesting that XXXX immediately exclude these transactions from my consumer report, as their inclusion violates federal regulations and undermines the accuracy and integrity of my report. 

This demand is made in line with the requirements of the Fair Credit Reporting Act and the Truth in Lending Act. 

Please provide written confirmation within 15 days that these items have been excluded from my report. 

Failure to do so will compel me to pursue all legal remedies available, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and any necessary legal action. 

I trust that XXXX will address this matter promptly and uphold its obligation to maintain accuracy on consumer credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: DC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: PR

Complaint narrative:
I reviewed my consumer reports and noticed that I had XXXX late payments on an account in which I was never late. Consumer reporting agencies have taken on a vital role and have the responsibility to report on consumers as accurately and thoroughly as possible. 

I have never been late on payments for the account : ( XXXX XXXX ) ( # XXXX ), which was opened on XX/XX/year>. Please investigate and provide evidence with statements proving that these payments were late. 

If no proof can be provided, I demand that these payments be updated to " on time '', as they should be, since I was NEVER late. 

Thank 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 2025-03-05 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: IL

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: NV

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-03-05 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: TX

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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