vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: IL

Complaint narrative:
On XX/XX/2025 I received an alert that there was a change to my XXXX, TransUnion and XXXX Credit Report. When I signed into each XXXX of my credit bureau online accounts I noticed that there was a report of XXXX accounts that were reporting without my permission. XXXX account is XXXX XXXX XXXX and another for XXXX. According to the Fair Credit Act ( FCRA ) Section 605B, it is illegal to report information on my credit report without my permission. I did not give XXXX Permission to report this on my credit profile and has attached the screenshot of the notification I received as well. I disputed the information however XXXX, TransUnion and XXXX has failed to comply. Things affecting my ability to obtain sufficient and fair due process to credit because of this

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 2025-01-12 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: IL

Complaint narrative:
On XX/XX/year> I received an alert that there was a change to my XXXX, XXXX and Equifax Credit Report. When I signed into each XXXX of my credit bureau online accounts I noticed that there was a report of XXXX accounts that were reporting without my permission. XXXX account is XXXX XXXX XXXX and another for XXXX. According to the Fair Credit Act ( FCRA ) Section 605B, it is illegal to report information on my credit report without my permission. I did not give XXXX  Permission to report this on my credit profile and has attached the screenshot of the notification I received as well. I disputed the information however XXXX, XXXX and Equifax has failed to comply. Things affecting my ability to obtain sufficient and fair due process to credit because of this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
early in 2024 I was falling behind finaicailly. the most repsonsible thig I could was file bankruptcy. I did file bankruptcy adn i could not afford a lawyer so case was dismissed. I did this on XXXX differen occassions. while the was still atcive i was not t pay any thing like car not house not ect. I called ally and let them know that I had filed bk and tthey even confirmed payments were voluntary during the proccess. as soon as the bk was dismssed i payed XXXX car notes XXXX week in a row. the following week they repodes my vehicle. I recovered the vehicle the next day, and checked my cedit. they had reported XXXX late payments. this is illigal as i was under the protections of bankrupcty during the time ther fore the payments were NOT late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: NC

Complaint narrative:
Equifax Conducted Sham Investigations on My Equifax file, rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX XXXX ; Case XXXX Violations of : Permissible Purpose : 15 USC 1581b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Responsibilities of Furnishers : 15 USC 1681s-2 I have never given consent or permission to report or share any information about me. Under the XXXX XXXX XXXX 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. 
There is no legal proof supporting the accuracy of these marks, and they have not been properly verified. 


The derogatory information reflected in my credit report maintained by Equifax under my Social Security number. As a victim of identity theft and the Equifax Data Breach ( XXXX XXXX. XXXX ), I have been unjustly impacted by fraudulent accounts and inquiries that must be removed from my credit file immediately. I have informed Equifax many of times that the entries below are erroneous and fraudulent. 
Account : 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 Balance : {$1400.00} Equifax routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts. These entries are the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( XXXX5 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit reports. Equifax has violated the FCRAs requirements for handling my disputes in several ways, each time I have submitted disputes. Equifax has harmed, bullied, and harassed me by violating the : Investigation of Disputed Information ( 15 U.S.C. 1681i ) ; Duty to Delete or Correct Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) : If the disputed information can not be verified or is found to be inaccurate, you must promptly delete or correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: TX

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: TX

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-01-12 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: LA

Complaint narrative:
Disputes made through Experian. Several issues were items reappear. Experian not doing proper investigations for disputed items. 

List of items : XXXX XXXX  {$1000.00} XXXX {$990.00} paid and closed Possible : {$300.00} XXXX XXXX {$3300.00} The retails merchant association. {$1300.00} These items have not been properly investigated and I haves asked the company to remove numerous of times

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 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
They have inaccurate information stating that I owe them money they call harass and threaten and very rude I requested them to send me original documents that I owe them. 
once I say that they will get very defensive and aggressive. The company has a very bad rep and I have no idea of what accounts they are talking about, or they are old accounts that has closed out or got counted in my bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding Systems & Services Technologies , Inc. ( SST ) for deceptive and potentially unlawful loan servicing practices. My original loan, serviced by XXXX XXXX, was transferred to SST earlier this year. Shortly thereafter, SST unilaterally changed the terms of my loan from a revolving line of credit to a fixed-term loan without providing proper documentation or obtaining my consent.

When I requested a copy of my original loan agreement to verify the terms, SST refused to provide it. This lack of transparency, combined with the unauthorized alteration of loan terms, has caused significant financial uncertainty and appears to violate consumer protection laws, including the Truth in Lending Act ( TILA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Impact : The change in loan terms has resulted in less favorable repayment conditions. 
SSTs refusal to provide documentation has made it impossible to verify the legitimacy of these changes. 
This has caused financial stress, potential harm to my credit, and disrupted my financial planning. 
Requested Resolution : Require SST to provide the original loan agreement and detailed documentation justifying the change in terms. 
Investigate SST for potential violations of federal and state consumer protection laws. 
Restore the original loan terms or provide equitable relief. 
I urge your agency to take action to prevent further harm to borrowers and hold SST accountable for their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
The Debt collection department at FOURSIGHT CAPITAL LLC, has been calling me and my spouse repeatedly since XXXX XXXX XXXX for an alleged debt. I have been performing on my contractual obligation by way of the bill of exchange as I stated at signing this contract, XXXX. 
I have spoken with the collections department a number of times ; they just call right back. this is harassment and I would like this to stop. I will list the calls from my phone first as I XXXX XXXX XXXX XXXX, having the contractual obligation with FOURSIGHT CAPITAL LLC XXXX the phone number ending in XXXX, calls as 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 XXXX XXXX XXXX XXXX XXXX XXXX. I work from XXXX XXXX this is my work schedule ; the debt collection department has been calling my cell phone but that makes no difference while I'm at work to them. I have requested all communications to be in writing. The people FOURSIGHT CAPITAL LLC have in the collection department have no idea what the laws are, I asked a XXXX there if she knew what the XXXX in XXXX rule entails, under the FDCPA. she had no idea what I was talking about. The calls continue even after I explained it to her. I told her this was a form harassment ; she really didn't care. Because the calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
Dear CFPB Representative, I am writing to formally submit a complaint regarding inquiries reporting on all 3 credit reports. Which is, " a violation of my rights under the Fair Credit Reporting Act ( FCRA ) '' ]. The actions of XXXX, Equifax and XXXXhave caused me significant harm and appear to be in direct violation of federal consumer protection laws. 


On XXXX, I discovered several unauthorized inquiries, such as errors on a credit report. 
I contacted XXXX, XXXX and Equifax ] on XXXX to resolve this matter but have not received a satisfactory response. 


The action of XXXX, XXXX and Equifax appear to violate the following provisions of federal law Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : [ If applicable, cite specific violations, such as failure to investigate a dispute within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), failure to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ), etc. ].

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : [ If applicable, cite specific violations, such as harassment, use of false or misleading representations, etc. ]. 3. Other relevant federal or state laws, if applicable. 

Attempts to Resolve : I have made reasonable efforts to resolve this issue directly with XXXX, XXXX and Equifax. 



: I respectfully request that the CFPB take action to investigate this matter and ensure compliance with applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to report violations of the Fair Credit Reporting Act ( FCRA ) by [ Credit Reporting Agency Name ] regarding inaccurate information included in my credit report. Despite my attempts to resolve these issues directly with the credit reporting agency, the inaccuracies remain uncorrected, and I am seeking your assistance in enforcing my rights under the law. 

Details of the Dispute of Inaccurate Information : Incorrect Information on File : Name : Listed in the letter sent to the credit agency Address : Listed in the attached letter sent Phone Number : None to provide Correct Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Phone Number : noting Violations of the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) : Reasonable Procedures to Assure Accuracy The credit reporting agency has failed to ensure the maximum possible accuracy of the information on my credit file, as required under this section.

15 U.S.C. 1681i ( a ) : Dispute Resolution After I submitted a formal dispute regarding these inaccuracies, the agency did not adequately investigate or correct the errors within the mandated 30-day period.

15 U.S.C. 1681n and 1681o : Civil Liability for Noncompliance The agencys failure to address these inaccuracies constitutes either willful noncompliance or negligence under these sections. 
Actions Requested : Require the credit reporting agency to fully investigate and correct the inaccurate information on my credit report.

Hold the credit reporting agency accountable for its violations under the FCRA.

Provide me with a resolution to ensure these issues do not recur in the future.

I have attached the following documents to support my complaint : A copy of my dispute letter sent to the credit reporting agency. 
My credit report with the disputed information highlighted. 
Proof of my correct information, such as government-issued ID and proof of address. 
Thank you for your attention to this matter. Please let me know if additional information is required to facilitate the resolution of this issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of dispute letter to the credit reporting agency Evidence of correspondence Highlighted copy of credit report Proof of identity and address

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to report violations of the Fair Credit Reporting Act ( FCRA ) by [ Credit Reporting Agency Name ] regarding inaccurate information included in my credit report. Despite my attempts to resolve these issues directly with the credit reporting agency, the inaccuracies remain uncorrected, and I am seeking your assistance in enforcing my rights under the law.

Details of the Dispute of Inaccurate Information : Incorrect Information on File : Name : Listed in the letter sent to the credit agency Address : Listed in the attached letter sent Phone Number : None to provide Correct Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  Phone Number : noting Violations of the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) : Reasonable Procedures to Assure Accuracy The credit reporting agency has failed to ensure the maximum possible accuracy of the information on my credit file, as required under this section.

15 U.S.C. 1681i ( a ) : Dispute Resolution After I submitted a formal dispute regarding these inaccuracies, the agency did not adequately investigate or correct the errors within the mandated 30-day period.

15 U.S.C. 1681n and 1681o : Civil Liability for Noncompliance The agencys failure to address these inaccuracies constitutes either w
illful noncompliance or negligence under these sections.

Actions Requested : Require the credit reporting agency to fully investigate and correct the inaccurate information on my credit report.

Hold the credit reporting agency accountable for its violations under the FCRA. 
Provide me with a resolution to ensure these issues do not recur in the future. 
I have attached the following documents to support my complaint : A copy of my dispute letter sent to the credit reporting agency.

My credit report with the disputed information highlighted.

Proof of my correct information, such as government-issued ID and proof of address. 
Thank you for your attention to this matter. Please let me know if additional information is required to facilitate the resolution of this issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of dispute letter to the credit reporting agency Evidence of correspondence Highlighted copy of credit report Proof of identity and address

Company response to consumer: Closed with non-monetary relief