vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2025-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-02-13 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:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-02-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I request an investigation into the inaccuracies by the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 Section 602, which ensures that consumer credit information is handled fairly and accurately. Under 15 USC 1681 Section 604 ( 2 ), I am entitled to dispute any misleading or incorrect information on my report, and credit reporting agencies must conduct a timely and thorough investigation. Furthermore, as outlined in 15 USC 6802 ( b ) ( c ), financial institutions must take proper measures to ensure the privacy of my financial data and to rectify any errors that may arise from mishandling or unauthorized disclosures. I also reference 15 USC 1681c ( a ) ( 5 ), which mandates that negative information, such as late payments, be removed from my report after a specified period, provided it is outdated. Under 15 USC 1681s-2 ( a ) ( 1 ), furnishers of information are required to report accurate information, and failure to do so could result in legal penalties. To ensure I comply with these standards, 15 USC 1681e obligates credit reporting agencies to maintain reasonable procedures to verify and correct the data. Furthermore, per 12 CFR 1016.7, I have the right to dispute any inaccuracies with the credit reporting agency, and they must respond to my dispute within a reasonable timeframe. I request the immediate correction of my credit report in full accordance with these codes to restore my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: EQUIFAX, INC.
State: GA

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. 


Account Name : XX/XX/XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXX/XX/XXXX # XXXX Account Name : XXXXXX/XX/XXXX # XXXX Account Name : XX/XX/XXXX# XXXX Account Name : XX/XX/XXXXXXXX # XXXX Account Name : XX/XX/XXXX# XXXX Account Name : XXXX XXXX XX/XX/XXXX XXXX # XXXX Account Name : XXXX XXXXXX/XX/XXXXXXXX # XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: SC

Complaint narrative:
Account with XXXX XXXX XXXX and XXXX XXXX was settled and paid on XX/XX/year> in the agreed upon lump sum payment of {$3000.00}. My credit report is still showing a past due balance of {$3700.00} which is not correct. Proof of payment has been sent to both companies.

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 2025-02-13 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: SC

Complaint narrative:
Account with XXXX XXXX XXXX and XXXX XXXX was settled and paid on XX/XX/year> in the agreed upon lump sum payment of {$3000.00}. My credit report is still showing a past due balance of {$3700.00} which is not correct. Proof of payment has been sent to both companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Complaint Regarding Inaccurate Reporting by Equifax Charge-Off Payment History Dear CFPB, I am writing to formally file a complaint against Equifax regarding the inaccurate reporting of payment history related to a charge-off account on my credit report. I believe that this reporting is in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which outlines the procedures for the correction of inaccurate information.

Details of the Complaint : 1. Account Information : - Creditor Name : XXXX XXXX  XXXX. Inaccurate Reporting : Upon reviewing my credit report, I have found discrepancies in the payment history associated with this charge-off. The information reported does not accurately reflect my payment history and is misleading. This has adversely affected my credit score and has implications for my ability to secure credit. 

XXXX. Dispute Process Initiated with Equifax : I have previously disputed this inaccurate information directly with Equifax, but they failed to take appropriate action to correct the inaccuracies in my report. As per 15 U.S.C. 1681i, I am entitled to have inaccurate information corrected and to receive a timely response from the credit reporting agency.

Request for Action : I kindly request that the CFPB investigate Equifax 's handling of my dispute and their failure to comply with the provisions of the FCRA regarding the correction of inaccurate information. Specifically, I ask that you : - Review Equifaxs practices related to the reporting of the disputed charge-off account. 
- Ensure that they take the necessary steps to investigate and correct the inaccuracies in my credit report. 
- Hold Equifax accountable for their potential violations of the FCRA. 

I have attached copies of my credit report that highlight the inaccuracies, as well as any relevant correspondence I have had with Equifax regarding this matter. 

Thank you for your attention to this important issue. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely,

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Complaint Regarding Inaccurate Reporting by Equifax Charge-Off Payment History Dear CFPB, I am writing to formally file a complaint against Equifax regarding the inaccurate reporting of payment history related to a charge-off account on my credit report. I believe that this reporting is in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which outlines the procedures for the correction of inaccurate information.

Details of the Complaint : 1. Account Information : - Creditor Name : XXXX XXXX  XXXX. Inaccurate Reporting : Upon reviewing my credit report, I have found discrepancies in the payment history associated with this charge-off. The information reported does not accurately reflect my payment history and is misleading. This has adversely affected my credit score and has implications for my ability to secure credit. 

XXXX. Dispute Process Initiated with Equifax : I have previously disputed this inaccurate information directly with Equifax, but they failed to take appropriate action to correct the inaccuracies in my report. As per 15 U.S.C. 1681i, I am entitled to have inaccurate information corrected and to receive a timely response from the credit reporting agency.

Request for Action : I kindly request that the CFPB investigate Equifax 's handling of my dispute and their failure to comply with the provisions of the FCRA regarding the correction of inaccurate information. Specifically, I ask that you : - Review Equifaxs practices related to the reporting of the disputed charge-off account. 
- Ensure that they take the necessary steps to investigate and correct the inaccuracies in my credit report. 
- Hold Equifax accountable for their potential violations of the FCRA. 

I have attached copies of my credit report that highlight the inaccuracies, as well as any relevant correspondence I have had with Equifax regarding this matter. 

Thank you for your attention to this important issue. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely,

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 2025-02-13 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: MD

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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 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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regional Acceptance Corp is blatantly violating the Fair Credit Reporting Act by falsely reporting late payments on my account all the way through XXXX XXXX full XXXX years after it was officially charged off in XX/XX/year>. This is not just an error ; it is a reckless and misleading act that severely damages my credit profile. A charge-off means the lender has already written off the debt, yet they continue to pile on late payments as if I were still missing monthly obligations. This grossly inaccurate reporting is harming my financial standing and must be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TN

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-02-13 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: FL

Complaint narrative:
I don't know where this incorrect information gets on my business report I tired to dispute with XX/XX/XXXXbut I didn't get any answers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT COLLECTIONS XXXX XXXX XXXX XXXX MA XXXX : ( XXXX ) XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Class : XXXX  Client Name : Credit Collections Original Amount : {$210.00} I have contacted this company twice, provided proof of payment, and requested they delete this account from my credit report. The date this company is reporting on my credit ishat date. I reached out to Credit Collections by phone, and they XX/XX/XXXX, andalso submitted the details throu I paid before tgh the portal along with the pro said they would investigate the information. I of of payment. This collections agency continues to report to all three credit bureaus that I have an outstanding balance that has already been paid. The company is still indicating a negative balance or has failed to delete this from my account and report the accurate balance to the credit bureaus. I paid this balance prior to the reporting date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation