vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: LA

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 explanation
Consumer complaint received 2025-01-14 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: MD

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Subject : Complaint Regarding Collusion, Retaliation, and Unfair Practices by Citibank and XXXX XXXX XXXXXXXX XXXX Leading to Foreclosure I am writing to formally file a complaint against Citibank and XXXXXXXX XXXX XXXXXXXX XXXX ( " XXXX '' ) for engaging in collusion, retaliation, and unfair practices that directly led to the wrongful foreclosure of my property. Their actions violated principles of fairness, transparency, and consumer protection, and I am requesting your investigation and intervention into this matter. 
Background Information : Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Summary of Allegations : XXXX. Collusion Between Citibank and XXXX Mortgage XXXX XXXX : Citibank concealed its settlement and agreement with XXXX while simultaneously extending my litigation timelines, depriving me of the opportunity to properly challenge their actions. This undisclosed settlement was designed to prioritize XXXX lien over my interests, violating principles of transparency and fairness.

2. Retaliation Through Credit Card Closure : During ongoing litigation, Citibank retaliated against me by closing my credit card account without justification. This punitive act caused significant financial harm and exacerbated the distress caused by their collusion with XXXX. The closure of the credit card further limited my ability to manage my finances and undermined my creditworthiness during a critical period. 
XXXX. Unfair Practices Leading to Financial Harm : Citibank recorded a Certificate of Satisfaction for its XXXX on my property in XXXX, yet continued litigation without disclosing this critical information to me or the court. The timing of the XXXX strongly suggests that Citibank and XXXX entered into a secret arrangement to my detriment. 
4. Misrepresentation and Concealment of Key Information : Citibank falsely represented to the court that I did not oppose certain motions, when in reality, I could not oppose matters deliberately concealed from me. This misrepresentation compromised the judicial process and denied me my right to protect my property. 
XXXX. Unjust Foreclosure : Through collusion and strategic timing, Citibank and XXXX engineered the foreclosure of my property. Their coordinated efforts deprived me of fair treatment and placed me at a significant financial and emotional disadvantage. 
Relevant Evidence : XXXX of Satisfaction : Documented evidence showing that XXXX XXXX was satisfied in XXXX, well before certain motions were filed in court. 
Financial Impact : Evidence of financial harm, including credit reports, foreclosure documents, and the closure of my credit card account during litigation.

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 2025-01-14 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: WV

Complaint narrative:
I am writing to formally lodge a complaint regarding the improper investigation practices by the XXXX major credit bureaus : XXXX, Experian, and XXXX. I have been disputing inaccuracies on my credit report for nearly XXXX years, specifically with accounts related to XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX and XXXX. Despite multiple efforts on my part, these inaccuracies remain unresolved, and the accounts in question continue to appear incorrectly on my credit report. Even to the point where deleted items where reinserted back on my credit File.

Throughout this period, I have submitted numerous disputes and requests for detailed documentation explaining the steps taken to investigate my claims. I have repeatedly asked the credit bureaus to provide step-by-step records of how my disputes were processed and resolved, as required by law. To date, I have not received any of the requested documentation, nor has there been a meaningful resolution to my disputes.

The continued presence of these inaccurate accounts on my credit report has caused me significant emotional distress, as I believe my consumer rights have been violated. I have made every effort to resolve these issues, yet the credit bureaus have not adhered to proper protocols or responded in accordance with the regulations set forth under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. This ongoing situation has made it incredibly difficult for me to manage my financial obligations and provide for my family, while also hindering my ability to obtain future credit. 
As I understand it, your recent lawsuit against Experian filed on XXXX XXXX XXXX, highlights similar issues with the credit reporting industry. In light of this, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into this matter, ensuring that XXXX, Experian, and XXXX are fulfilling their legal responsibilities. I am also considering legal action if these issues are not addressed appropriately and in a timely manner. 
I respectfully ask for your attention to this matter and urge you to take action to ensure that my credit reports reflect 100 % accurate information, in accordance with the law within 15 days of receiving this complaint. Further due to the numerous claims and still the information on my report continues to report incorrectly. I am requesting these accounts be removed in 4 days. 
Thank you for your time and consideration. I look forward to your prompt 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 explanation
Consumer complaint received 2025-01-14 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:
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 explanation
Consumer complaint received 2025-01-14 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: NY

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 explanation
Consumer complaint received 2025-01-14 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:
Please remove the following inquires as they were not performed by me. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-01-14 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-14 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: NY

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 2025-01-14 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:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve 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 non-monetary relief
Consumer complaint received 2025-01-14 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: AL

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-01-14 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: GA

Complaint narrative:
I am writing to file a formal complaint against Experian regarding their failure to provide investigation details about a disputed account on my credit report. The account in question, XXXX XXXX XXXX XXXXXXXX  has been reported by a debt collector who is not the original creditor. I have no record of signing any contracts or agreements with this debt collector, nor have I received any documentation verifying the legitimacy of this account, including an original contract or other evidence of my obligation to pay. I previously submitted a dispute to Experian regarding this account, requesting that they investigate its accuracy and provide evidence of the account 's validity as required under the Fair Credit Reporting Act ( FCRA ). Specifically, Section 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] of the FCRA mandates that credit reporting agencies conduct a reasonable investigation of disputes and provide the results of the investigation, including any supporting documentation, to the consumer. Experian has failed to comply with this requirement by not providing me with the investigation details or verifying the validity of the account.

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 2025-01-14 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$41000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-14 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have contacted XXXX XXXXXXXX XXXX  multiple times to get information about the amount that I allegedly owed when I have a paper that somebody in the corporate office signed stating I did not owe any money right before I have moved out because I have housing assistance and they have to have the form sign before you moved. After I moved out in XX/XX/year> about 60 days later after me showing up numerous of times in the office and got a ledger stating that I as allegedly owed {$290.00} still try to get in contact with somebody in the corporate office but could not contact nobody. 60 days later I got a letter in the mail and a phone call stating I owed over {$1000.00} but could not give me a breakdown of how when I have proof that I didnt owe anything. Even when I paid online, I did not have a balance when it was time to pay rent each month. They are stating that they updated it after I have moved out, but I had no knowledge of this to even resolve the issue. I am getting letters and phone calls from national credit system, stating that I need to make a payment.

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 2025-01-14 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 non-monetary relief
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with explanation