vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: NC

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 explanation
Consumer complaint received 2025-01-06 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: CA

Complaint narrative:
" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NJ

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT 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 non-monetary relief
Consumer complaint received 2025-01-06 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: NJ

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX : A thief was able to pose as me and gain access to my credit bureau accounts. He changed my contact information and removed my credit freeze. He gained my credit report from all three agencies. At XXXX he charged my credit card on file to upgrade my account for more access. 

XX/XX/XXXX - today ( XX/XX/XXXX ) : I have called to change the contact information back and reinstate the freeze at all three credit agencies many times. And added a fraud alert multiple times. The thief continues to be able to remove the freeze and fraud alert. 

XXXX and XXXX have my account 'locked down ' during their investigation, meaning I can not access in real time who is making inquiries or check the status of the credit freeze and fraud alert. I do not get any notifications when they are removed. So effectively they have helped the criminal get away with stealing if he ends up being successful. ( For example, I called Saturday and the freeze and fraud alert was removed so I reinstated them. He removed them again Sunday, so I called this morning Monday and reinstated them ) The agents just keep putting it on my account but state there is nothing else they can do to prevent it from happening. 

The documentation I sent in will close my account and reopen with a new account number? But that information is not needed to lift the freeze and fraud alert so I'm not confident the action plan they have in place will prevent theft. And in the mean time there is nothing else being done to protect me or the banks/credit institutions. 

Transunion closed my online account after I changed my username and password but it didn't make a difference he continues to update my contact information and remove the freeze and fraud alert.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX : A thief was able to pose as me and gain access to my credit bureau accounts. He changed my contact information and removed my credit freeze. He gained my credit report from all three agencies. At XXXX he charged my credit card on file to upgrade my account for more access. 

XX/XX/XXXX - today ( XX/XX/XXXX ) : I have called to change the contact information back and reinstate the freeze at all three credit agencies many times. And added a fraud alert multiple times. The thief continues to be able to remove the freeze and fraud alert. 

XXXX and Experian have my account 'locked down ' during their investigation, meaning I can not access in real time who is making inquiries or check the status of the credit freeze and fraud alert. I do not get any notifications when they are removed. So effectively they have helped the criminal get away with stealing if he ends up being successful. ( For example, I called Saturday and the freeze and fraud alert was removed so I reinstated them. He removed them again Sunday, so I called this morning Monday and reinstated them ) The agents just keep putting it on my account but state there is nothing else they can do to prevent it from happening. 

The documentation I sent in will close my account and reopen with a new account number? But that information is not needed to lift the freeze and fraud alert so I'm not confident the action plan they have in place will prevent theft. And in the mean time there is nothing else being done to protect me or the banks/credit institutions. 

XXXX closed my online account after I changed my username and password but it didn't make a difference he continues to update my contact information and remove the freeze and fraud alert.

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 2025-01-06 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
I am submitting a complaint against TransUnion, XXXX, and XXXX due to their failure to correct inaccuracies on my credit report despite multiple dispute attempts. The information remains incorrect, and my previous complaint was closed without resolution. 

The credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) The reporting of outdated information on my credit report violates the FCRA, as the account in question should have been excluded after the legally required period.

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) The credit bureaus failed to conduct a reasonable re-investigation of the disputed information and did not provide adequate evidence to support the validity of the reported items.

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit bureaus have failed to ensure the accuracy of the information on my credit report, resulting in the continued reporting of inaccurate data despite my efforts to dispute it.

I am requesting that the CFPB investigate the matter and take appropriate action to ensure that the credit bureaus comply with the FCRA by correcting the inaccuracies and addressing the violations outlined above.

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 2025-01-06 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: TX

Complaint narrative:
I am submitting a complaint against XXXX, Experian, and XXXX due to their failure to correct inaccuracies on my credit report despite multiple dispute attempts. The information remains incorrect, and my previous complaint was closed without resolution. 

The credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) The reporting of outdated information on my credit report violates the FCRA, as the account in question should have been excluded after the legally required period.

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) The credit bureaus failed to conduct a reasonable re-investigation of the disputed information and did not provide adequate evidence to support the validity of the reported items.

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit bureaus have failed to ensure the accuracy of the information on my credit report, resulting in the continued reporting of inaccurate data despite my efforts to dispute it.

I am requesting that the CFPB investigate the matter and take appropriate action to ensure that the credit bureaus comply with the FCRA by correcting the inaccuracies and addressing the violations outlined above.

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 2025-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Ongoing for over a couple of months now, citi credit card for Home Depot website says they have no phone on file for me and when I try to add one it gives confirmation about sending text and calls to it but then wants to send ID verification to some other number. I call in and get the run around claiming my phone number is ineligible to receive the ID code from the rep because " the system '' deems it so, and they don't have any back door or way to override " the system '' apparently using XXXX based AI system software that is nothing but problem ridden. A simple thing like correcting the phone number online, and they refuse to act on it or have the system updated to allow me to do so, website clearly says I should be able to do it but their " system '' says otherwise, a simple thing like adding the correct phone to my profile, and they refuse to allow it and that i have to Waite for them to send some sort of letter through snail mail to tell me what the problem is how to correct it, yet I have been waiting for 6 months and still nothing.

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 2025-01-06 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: IL

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-01-06 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$8800.00} Late/Closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$3800.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$180000.00} Late/Open XXXX in Dispute : XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-01-06 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXXXXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX A XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-01-06 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: TX

Complaint narrative:
I am filing a complaint regarding TransUnion, XXXX XXXX XXXX for not resolving inaccuracies on my credit report. Despite requesting a re-investigation, the inaccurate information remains unchanged. My prior complaint was closed, but no corrective actions were taken to resolve the issues. 

The credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) due to the following : FCRA Section 1681i ( a ) The credit bureaus failed to conduct a thorough investigation of the disputed account, leaving inaccurate information on my credit report.

FCRA Section 1681e ( b ) The information provided by these agencies is not reported with the maximum possible accuracy. They did not verify the data properly, resulting in continued inaccuracies.

FDCPA Section 809 ( b ) The credit bureaus have not provided proper validation of the disputed account, violating the requirement to confirm and substantiate the debt in accordance with the FDCPA. 

I urge the Consumer Financial Protection Bureau ( CFPB ) to review this matter and ensure the credit bureaus comply with their obligations to provide accurate information on my credit 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 non-monetary relief
Consumer complaint received 2025-01-06 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 filing a complaint regarding XXXX, Experian, and XXXX for not resolving inaccuracies on my credit report. Despite requesting a re-investigation, the inaccurate information remains unchanged. My prior complaint was closed, but no corrective actions were taken to resolve the issues. 

The credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) due to the following : FCRA Section 1681i ( a ) The credit bureaus failed to conduct a thorough investigation of the disputed account, leaving inaccurate information on my credit report.

FCRA Section 1681e ( b ) The information provided by these agencies is not reported with the maximum possible accuracy. They did not verify the data properly, resulting in continued inaccuracies.

FDCPA Section 809 ( b ) The credit bureaus have not provided proper validation of the disputed account, violating the requirement to confirm and substantiate the debt in accordance with the FDCPA. 

I urge the Consumer Financial Protection Bureau ( CFPB ) to review this matter and ensure the credit bureaus comply with their obligations to provide accurate information on my credit 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 2025-01-06 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: IL

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation