vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

The CFPB and the FCRA are clear in their guidance, and your agencys refusal to accept the identity theft report based on an erroneous and unsupported claim violates the law. I demand that you immediately correct this violation and update my credit reports to reflect the accurate status of my identity theft claim. 
XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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:
I am writing to dispute several hard inquiries listed on my credit report. I have reviewed my credit report and noticed that there are inquiries that I believe were made without my consent or were made incorrectly. Specifically, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, I did not authorize this hard inquiry, nor was I notified in advance of it. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report, including unauthorized hard inquiries. These inquiries have negatively impacted my credit score, and I request that they be removed immediately.

In addition, according to 15 U.S.C. 1681b, a hard inquiry may only be made if I have given express permission for it. In this case, I did not grant permission for the inquiries listed on my credit report, and they appear to have been reported in error. 

I am requesting that the companies involved review the inquiries in question and remove them from my credit report if they can not provide proof that they were authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: LA

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 55536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: LA

Complaint narrative:
I made a payment for a XXXXXXXX XXXX XXXX XXXX XXXX  for XXXX dollars from a chime account, well after the money was transferred the company tells me that I can't receive the product or my money back so I try to dispute it with chime and after I give chime all receipts and proof they denied the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: CT

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: MOHELA
State: VA

Complaint narrative:
Breach of contract. My information including my social security number were obtained by people ( s ) unauthorized to have access to that information. Read : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unifin Inc.
State: AZ

Complaint narrative:
I had a account that was disputed and deleted off my report and a few months later a collection account was on my report with incorrect dates when account was opened and closed. incorrect amount I never received any information about this account. I disputed the account because it was not my account and have no knowledge about account was deleted. Has returned as collection account. Dropping my credit score XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: OH

Complaint narrative:
I want to emphasize that I am fully aware of the Consumer Financial Protection Bureau ( CFPB lawsuits against XXXX and XXXX for conducting sham investigations and failing to properly investigate consumer disputes. I expect all credit reporting agencies to conduct a thorough, good faith investigation, as required by law, and to avoid engaging in any practices that mirror those outlined in the CFPB complaints. XXXX XXXX is a third-party debt collector. They have not been given any permission to report anything on my credit report. Under 15 USC 1681b : Permissible purposes of consumer reports they are reporting inaccuracies and false information since under 15 USC 1692e they are not representing XXXX XXXX but purchased the debt and are now the owners of set debt. There has been no debt validation provided. Furthermore I officially request complete debt validation, chain of title, original creditors charge-off, date last payment made on original account, original creditors contract with original signature allowing the alleged debt to be sold without permission, and any forward flow agreement. I am also requesting a Cease and Desist on the account collections and all reporting of the account to all credit reporting agencies. The account is full of inaccuracies and misleading information and needs to be deleted immediately since this is not the first time this has been reported. As you can see with the included documents from TransUnion the reporting is different from XXXX XXXX with them which is grounds for deletion alone but with all the others FDCPA violations I am requesting immediate removal of this accout from my credit report which is reflecting negativitly on all credit reporting agencies and violating my rights. Before I take legal matters I am giving the opportunity to correct all these violations and reporting errors or simply deleting the account from my credit report. 
I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: OH

Complaint narrative:
I want to emphasize that I am fully aware of the Consumer Financial Protection Bureau ( CFPB lawsuits against Experian and XXXX for conducting sham investigations and failing to properly investigate consumer disputes. I expect all credit reporting agencies to conduct a thorough, good faith investigation, as required by law, and to avoid engaging in any practices that mirror those outlined in the CFPB complaints. XXXX XXXX is a third-party debt collector. They have not been given any permission to report anything on my credit report. Under 15 USC 1681b : Permissible purposes of consumer reports they are reporting inaccuracies and false information since under 15 USC 1692e they are not representing XXXX XXXX  but purchased the debt and are now the owners of set debt. There has been no debt validation provided. Furthermore I officially request complete debt validation, chain of title, original creditors charge-off, date last payment made on original account, original creditors contract with original signature allowing the alleged debt to be sold without permission, and any forward flow agreement. I am also requesting a Cease and Desist on the account collections and all reporting of the account to all credit reporting agencies. The account is full of inaccuracies and misleading information and needs to be deleted immediately since this is not the first time this has been reported. As you can see with the included documents from XXXX the reporting is different from XXXX XXXX with them which is grounds for deletion alone but with all the others FDCPA violations I am requesting immediate removal of this accout from my credit report which is reflecting negativitly on all credit reporting agencies and violating my rights. Before I take legal matters I am giving the opportunity to correct all these violations and reporting errors or simply deleting the account from my credit report. 
I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: OH

Complaint narrative:
I want to emphasize that I am fully aware of the Consumer Financial Protection Bureau ( CFPB lawsuits against XXXX and Equifax for conducting sham investigations and failing to properly investigate consumer disputes. I expect all credit reporting agencies to conduct a thorough, good faith investigation, as required by law, and to avoid engaging in any practices that mirror those outlined in the CFPB complaints. XXXX XXXX is a third-party debt collector. They have not been given any permission to report anything on my credit report. Under 15 USC 1681b : Permissible purposes of consumer reports they are reporting inaccuracies and false information since under 15 USC 1692e they are not representing XXXX XXXX but purchased the debt and are now the owners of set debt. There has been no debt validation provided. Furthermore I officially request complete debt validation, chain of title, original creditors charge-off, date last payment made on original account, original creditors contract with original signature allowing the alleged debt to be sold without permission, and any forward flow agreement. I am also requesting a Cease and Desist on the account collections and all reporting of the account to all credit reporting agencies. The account is full of inaccuracies and misleading information and needs to be deleted immediately since this is not the first time this has been reported. As you can see with the included documents from XXXX the reporting is different from XXXX XXXX with them which is grounds for deletion alone but with all the others FDCPA violations I am requesting immediate removal of this accout from my credit report which is reflecting negativitly on all credit reporting agencies and violating my rights. Before I take legal matters I am giving the opportunity to correct all these violations and reporting errors or simply deleting the account from my credit report. 
I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: CA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: PA

Complaint narrative:
Subject : Method of Verification Request Failure to Properly Verify XXXX XXXX Account Dear Experian Dispute Department, I am writing to request the method of verification ( MOV ) regarding the disputed XXXX XXXX XXXX XXXX account [ Account Number : XXXX ], which was inaccurately reported on my consumer file. I previously disputed this account with Experian, and while you marked it as closed, both XXXX and XXXX have removed this account in its entirety from their credit reporting systems after determining that it was either inaccurate, unverifiable, or improperly reported. 
Under FCRA 611 ( a ) ( 7 ), I am entitled to a full and detailed explanation of how Experian conducted its verification process, including : 1. The name, address, and contact information of the entity that verified this account.

2. A copy of all documentation provided by the data furnisher to support its validity.

3. A detailed description of the specific steps Experian took to verify the account. 
4. The name of the individual at Experian who conducted the verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I entered into an agreement with XXXX XXXX XXXX  to finance my aligner treatment, with payments made to XXXX XXXX XXXX. The contract states " On this date of XXXX valuable consideration received, the undersigned Buyer and/or Co-Buyer ( hereinafter collectively referred to as Buyer ), jointly and severally unconditionally promise ( s ) to pay for services provided by XXXX ( XXXX ) on behalf of its affiliates the sum of $ XXXX plus a finance charge at an annual rate of XXXX %. Payments are made to XXXX XXXX XXXX, XXXX ( XXXX ) as payment processor for XXXX. Your payment will appear on your statement as XXXX. '' From that point up until XXXX of XXXX, I was current on my monthly payments of {$84.00}. In XXXX of XXXX, I began having issues with my aligners ; they were not fitting correctly. I had to go get my teeth re-scanned to make a new set up aligners. At a certain point the new set also began not fitting. I requested a to get rescanned, but SDC refused to pay for the new scan because I didn't pay for the final product ( the retainer ) at a certain time. I tried explaining that it made no sense to pay for a retainer that was based on a teeth scan destined to not fit, and that ultimately I would have to get rescanned anyway. They said it I had to have paid for this retainer in order to remain under warranty for a rescan anyway. This back and forth was in the beginning of XXXX. In XXXX, when I was planning to go into the XXXX office to get scanned ( which is the only location within a XXXX miler radius in XXXX ) I found out it closed down. I lost hope and stopped making payments, and in XX/XX/XXXX I received my first notice from XXXX XXXX XXXX ( XXXX ) that I missed a payment. Then I got notice that XXXX  file for XXXX XXXXXXXX bankruptcy in XX/XX/XXXX. Every one and a while I would get emails from XXXX saying I was passed due, and I assumed that since XXXX was no longer able to fulfill their end of the contract, that I didn't need to continue paying. In the last few months, I have gotten calls from an agency called Tek- Collect saying I still owed money. I tried explaining to the rep that XXXX filed for bankruptcy and hasn't been able to fulfill their end of the contract. He said I was still responsible. Now they have reported the debt to the credit bureaus and my score was dinged XXXX points. I have attached my contract with XXXX XXXX XXXX, and a screenshot of my statement summary with XXXX ( before I stopped making payments ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: OH

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX {$5200.00}

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