vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently review a copy of my credit/consumer report. I noticed fraudulent account on my report. 

Please remove account from my report they're hurting my agility to obtain credit. 

I'm a victim of multiple data breaches that has result in my information being used without my knowledge. 

I ask for a re-investigation of this item. 

Also, sources the company used to collect this false inaccurate information. 

Under the fair credit act - 15 USC 1681i, 15 USC 1681i5, 15 USC 1681eb, 15 USC 1681 ( 602A ), 15 USC 1681c ( a ) ( 5 ) Please remove/delete this item with all reporting agencies. 

If the items are not deleted/removed. 

I will submitted a request to the " XXXX XXXX XXXX XXXX  and Federal Trade Commission ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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:
Unauthorized inquiries unexpectedly appeared on my credit report this morning, and I have no explanation. While I regularly check my report, this issue came out of nowhere. Refreshing my browser did nothing to fix it. I need a swift resolution with a thorough check of the documents I provided, as this has been extremely frustrating.

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 2024-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Reinvestigation of Inaccurate Information Account Name : XXXX XXXX XXXX To Whom It May Concern, I am writing to request a reinvestigation of the inaccurate information reported on my consumer report by XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Upon reviewing my credit report, I found that the information pertaining to this account is incorrect and needs your immediate attention. 

Inaccurate Reporting DetailXXXX : The XXXX XXXX XXXX account is reported inaccurately on my credit file. 
Request for Reinvestigation : I request that you conduct a thorough reinvestigation into this account, as the reported information does not accurately reflect my financial history. 

Please provide me with a written response detailing the results of your reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: NC

Complaint narrative:
Subject : Repeated Reinsertion and Failure to Investigate Unauthorized Account on Credit Report To Whom It May Concern : I am submitting this letter to formally request assistance with an ongoing issue regarding an unauthorized XXXX XXXX account ( account number XXXX ) that repeatedly appears on my Equifax credit report. I have disputed this account on three separate occasions, and each time Equifax initially removed it from my report. However, XXXX XXXX continually reinserts the account without providing me with a required reinsertion notice, and Equifax has not conducted an investigation, as mandated by law. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), Equifax is required to notify me within five business days of reinserting any disputed account. Equifax has not provided such notification, leaving me unaware of the repeated reinsertions until I review my credit report independently. This lack of notice is a direct violation of my rights under the FCRA.

Furthermore, Equifax has not conducted any investigation of the reinsertion as required by 15 U.S.C. 1681i ( a ), which mandates that a consumer reporting agency must conduct a reasonable investigation when a consumer disputes an account. Equifax 's failure to perform this basic duty has deprived me of the opportunity to verify the legitimacy of this disputed account, which I maintain is fraudulent.

Additionally, as this Goldman Sachs account is the result of identity theft, Equifax is obligated to block this account from appearing on my credit report once I have provided sufficient documentation. According to 15 U.S.C. 1681c-2, a consumer reporting agency must permanently block information stemming from identity theft upon receiving a police report or affidavit. I have submitted this required documentation, yet Equifax continues to allow the account to reappear.

Given these serious violations of the Fair Credit Reporting Act, I am requesting that the CFPB enforce Equifax 's compliance with the following : Proper notification of reinsertion, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

A thorough investigation of the disputed account in accordance with 15 U.S.C. 1681i ( a ).

Immediate and permanent blocking of the account per 15 U.S.C. 1681c-2 due to identity theft.

Thank you for your attention to this matter. I appreciate your assistance in holding Equifax accountable to protect my credit and prevent further harm from this identity theft..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: FL

Complaint narrative:
I received a response from TransUnion stating they verified an account as accurate. I looked at my credit report today XX/XX/year>, and still see incomplete and inaccurate information. According to the FCRA, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. The file number is XXXX. 

XXXX XXXX - XXXX - Information is reporting inaccurate and is still not correct.

So I request a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 and 15 USC 1681i ( 5 ).

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 2024-10-27 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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian asked me to provide proof of police report among other information in their letter to me dated XXXX XXXX to have the XXXX card account blocked I submitted all documents requested on XXXX XXXX they did not block the account and they did not investigate the dispute for the credit report number where I submitted all the information its been over 45 days with no answers.the credit report number they did not investigate is 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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX DOB : XXXX SSN : XXXX XX/XX/year> XXXX XXXX XXXX Consumer Number : XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX , IA XXXX Re : CFPB Case # XXXX To Whom It May Concern, I am writing in response to your XX/XX/year> letter. I want to clarify that I am not disputing any information on my XXXX consumer report. My request is straightforward : I am asking that my UCC-1 financial transactions be added to my credit profile, in the same manner as any public record trade line reported by a credit bureau or data furnisher. 

I do not understand the basis for your indication of possible fraudulent activity, as there is nothing fraudulent in the information I have provided. Please explain what specifically raised this concern and why it affects the simple addition of my UCC-1 filings as public records to my report. 

To reiterate, I am asking for my UCC-1 filings, which are public records, to be treated as credit transactions and displayed on my profile, as would be done for any other trade line. This is not a dispute, but a request for the inclusion of accurate, relevant information. 

Please confirm receipt of this letter and inform me of any additional steps required to fulfill my request. I appreciate your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX DOB : XXXX SSN : XXXX XX/XX/2024 XXXX XXXX XXXX Consumer Number : XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX , IA XXXX Re : CFPB Case # XXXX To Whom It May Concern, I am writing in response to your XX/XX/2024 letter. I want to clarify that I am not disputing any information on my XXXX consumer report. My request is straightforward : I am asking that my UCC-1 financial transactions be added to my credit profile, in the same manner as any public record trade line reported by a credit bureau or data furnisher. 

I do not understand the basis for your indication of possible fraudulent activity, as there is nothing fraudulent in the information I have provided. Please explain what specifically raised this concern and why it affects the simple addition of my UCC-1 filings as public records to my report. 

To reiterate, I am asking for my UCC-1 filings, which are public records, to be treated as credit transactions and displayed on my profile, as would be done for any other trade line. This is not a dispute, but a request for the inclusion of accurate, relevant information. 

Please confirm receipt of this letter and inform me of any additional steps required to fulfill my request. I appreciate your attention to this matter. 

Sincerely, 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 2024-10-27 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:
Today, unauthorized inquiries appeared on my credit report out of nowhere, leaving me baffled. I went through my report as I do routinely, and this time there were errors. After refreshing my browser in case it was just a glitch, the entries didnt disappear. Please conduct a careful review of the documents Ive sent, as I need this resolved urgently to avoid further stress.

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 2024-10-27 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-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 accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: FL

Complaint narrative:
My account with DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. DEPT OF EDUCATION/XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer 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 2024-10-27 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: NJ

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof that you have on file for the account listed below. XXXX. XXXX XXXX XXXX. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account I demand that the following account be verified or removed immediately : 1. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2024-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This company sent me an electronic message to notify me that they decreased my limit to XXXX $ by XXXX XXXX based on XXXX score XXXX. I worked hard to rebuild my credit and checked my XXXX score which is XXXX. Action taken by this company will impact my credit score and history negatively and for no reason. Ive always made on time full payments throughout my history with this company. I called to rectify the issue but they dont have humans to answer. I am requesting to see what report they used to make their decision and their reasoning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX , IA XXXX Re : CFPB Case # XXXX To Whom It May Concern, This letter is in response to your correspondence dated XX/XX/XXXX. I want to clarify that I am not disputing any information nor claiming identity theft. My request is to have my UCC-1 financial transactions added to my XXXX credit profile as public record trade lines, similar to how other credit data and public records are reported. 

My UCC-1 Financing Statement, filed on XX/XX/XXXX, with File Number XXXX, lists the following collateral : XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) XXXX XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) XXXX XXXX XXXX  ( VIN : XXXX, License Plate : XXXX ) This statement includes a promissory note ( Account Number : XXXX ) and a security agreement ( Account Number : XXXX ), with XXXX XXXX as the secured party. I have attached a copy of the UCC-1 document as reference. 

I do not understand why possible fraudulent activity was cited. I am requesting only that these public records, which meet all legal standards, be reflected on my profile. Please clarify the basis of this concern, so I can address any misunderstandings. 

Please confirm receipt of this letter and advise on any additional steps required to proceed with this request. 

Thank you for your attention to this matter. 

Sincerely, 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