vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
Companies Being Complained About : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint Details : I am filing this formal complaint against TransUnion, Experian, and Equifax due to their failure to remove unauthorized credit inquiries from my report, despite multiple dispute requests. 

Since XX/XX/XXXX, I have sent XXXX dispute letters to each credit bureau requesting the removal of unauthorized inquiries from my credit report. However, none of them have taken corrective action, stating that they " can not remove accurate information '' without providing any proof that I authorized these inquiries. 

Issues Experienced : Repeated lack of response : All XXXX  credit bureaus have ignored my XXXX dispute letters and continue to report unauthorized inquiries on my credit file. 
Failure to provide proof : Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), these agencies are required to verify and provide documentation proving I authorized these inquiries. They have failed to do so. 
Negative impact on my credit : These unauthorized inquiries have significantly harmed my credit score and financial standing. 
Requested Resolution : I request that the CFPB take immediate action and require TransUnion, Experian, and Equifax to : Provide written proof that I authorized each of the disputed inquiries. 
Immediately remove any inquiries for which they can not provide valid documentation. 
Ensure full compliance with the FCRA by properly investigating and addressing consumer disputes. 
Supporting Documents : I have attached copies of : The XXXX dispute letters I sent to TransUnion, Experian, and Equifax since XX/XX/XXXX. 
Their responses stating they refuse to remove the inquiries. 
A copy of my credit report with the disputed inquiries highlighted. 
Final Statement : TransUnion, Experian, and Equifax have failed to comply with the FCRA by refusing to conduct a proper investigation into my dispute. Their inaction violates my rights as a consumer, and I am requesting the XXXX  immediate intervention to ensure these agencies comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ballybunion Enterprises, Inc
State: VA

Complaint narrative:
I have received a letter for debt collection from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX in the amount of {$2700.00}. I have never heard of XXXX XXXX XXXX nor do I have an account with XXXX XXXX XXXX. This is not on my credit report. I have not received documentation showing that I have signed anything related to XXXX XXXX XXXX, nor have I received any signed documentation that I authorized XXXX XXXX XXXX to sell my information to XXXX XXXX XXXX. 

I believe that this is a scam since CFPB did sue XXXX XXXX XXXX back in XXXX for wrongful loan without proper disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-02-12 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
I sent a notice to Experian about the accuracy of a XXXX XXXX charged off account reporting on my credit report. I asked for the proof of notices that were supposed to be sent out, signatures and proof of a 1099-C, which means they wrote this debt off to the IRS known as a charge off on the credit report. Even though they have written off this debt and are no longer obligated to the account, it is still reporting negatively on my report.

Experian has failed to properly look into the accuracy and the validity of this account from the investigation I initiated. Experian has lacked to give any proper documentation as proof that they did attempt to make a thorough investigation that a consumer has the rights to obtain.

Experian simply left these remarks on the account and no other, " The incorrect account with XXXX XXXX XXXX XXXX that starts with XXXX  has not been changed and will remain on your credit report. Account previously in dispute - investigation complete, reported by data furnisher. This item was updated from our processing of your dispute in 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 2025-02-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been a victim of identity theft and have fraudulent accounts on my credit report. I have repeatedly attempted to contact Experian via phone and their online dispute system to have these fraudulent accounts removed under Section 605B of the Fair Credit Reporting Act ( FCRA ). However, I have been unable to reach a live representative, and my dispute has not been properly handled.

Under 15 U.S. Code 1681c-2 ( FCRA Section 605B ), a credit bureau is required by law to block and remove fraudulent accounts from a consumers credit report within four ( 4 ) business days of receiving a valid identity theft report and supporting documentation.

I want this matter handled 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 explanation
Consumer complaint received 2025-02-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-12 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Ava Finance, Inc
State: AZ

Complaint narrative:
I applied for a card that exoerian advertised as not causing a credit inquiry. 
I was approved, and then forwarded to " Ava '' where it became immediately clear that this was falsely advertised. 
I was told initially that I had a {$1000.00} credit limit. Then that I was being increased to {$4000.00}, and then {$2500.00}. In reality, it is only usable with specific vendors that work with Ava, of which you can choose XXXX per month, and use a maximum of {$25.00} " daily '' with a monthly cap of {$25.00}. 
While trying to close the account I was threatened that something bad would happen to my credit if I did. 
So I used {$25.00} to pay XXXX, a partner of theirs. 
Now it is time to pay Ava for that and while connecting any source of payment, they require that I give them permission to create some " consumer report '' which there is no description of, nor terms and conditions. Only a box to accept mote of their extortion and forced tactics in order to continue, or a cancel button. 
I refuse to allow them to create any sort of consumer report in order to pay them {$25.00} for what seems like some scheme to do something other than build or offer credit. 
They also seem to have my name confused. Although my account and " virtual '' spending card says XXXX, their emails have a name of " XXXX '' in the subject line. Ive asked them about this and received no response. 
Emails attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: SLM CORPORATION
State: MD

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-12 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Nelnet, Inc.
State: NV

Complaint narrative:
XXXX XXXX is not allowing me to submit a dispute and is failing to process my dispute regarding unauthorized disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Subject : Dispute of XXXX XXXX for XXXX and XXXX XXXX # XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally dispute the civil liability claim # XXXX, which alleges negligence and noncompliance on my part. After thoroughly reviewing the matter, I believe that the claim is without merit for the following reasons : 1. Lack of Negligence : The claim asserts that I have failed in my duty of care, leading to damages. However, I dispute that I acted negligently in this situation. I have always exercised the standard of care expected under the circumstances and adhered to all applicable rules, regulations, and industry standards. There was no deviation from what is considered reasonable or expected in this matter.

2. Noncompliance with Legal or Contractual Obligations : I also dispute any claim that I have been noncompliant with any legal or contractual obligations. All the necessary actions have been taken on my part to ensure that all required procedures, laws, and contractual terms were followed. Any suggestion of noncompliance is therefore inaccurate. 
3. Inaccurate or Insufficient Evidence : I believe the evidence provided in support of the claim is either incomplete, incorrect, or not applicable to the situation at hand. I would request that you review the documents and evidence associated with this claim, as I am confident that the facts will not support the accusation of negligence or noncompliance. 
Given the above reasons, I request that this claim be withdrawn or revised accordingly. If necessary, I am more than willing to provide further documentation or participate in a discussion to resolve the matter in a fair and equitable manner. 
Please acknowledge receipt of this letter and inform me of the next steps to dispute this claim formally. I expect this matter to be addressed promptly and in accordance with applicable legal guidelines. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NY

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX has violated my rights. 


I looked at my transunion XXXX XXXX credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-02-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I SUBMITTED IDENTITY THEFT REPORT AND SUPPORTING DOCUMENTS AND STILL HAVE NOT HAD THE INFORMATION DELETED YET

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hard Inquires on my credit report that I did NOT apply for. 

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 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 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief