vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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 AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - BALANACE {$20000.00} Account Name : XXXX XXXX XXXXXXXX - BALANACE {$100000.00} Account Name : XXXX XXXX XXXX - XXXX {$100000.00} Account Name : XXXX XXXX XXXXXXXX - BALANACE {$20000.00} Account Name : XXXX XXXX XXXXXXXX - BALANACE {$63000.00} Account Name : XXXX XXXX XXXXXXXX - BALANACE {$13000.00}

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
Consumer complaint received 2025-01-11 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: MD

Complaint narrative:
" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of XXXX Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint against Oportun for continuing to report an account ( Account Number : XXXX ) as a charge-off on my credit report, despite selling the debt to XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, as confirmed by their correspondence. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ), which prohibits furnishers from reporting inaccurate information.

Additionally, I submitted an opt-out request under the Gramm-Leach-Bliley Act ( GLBA ) on XX/XX/XXXX, to restrict the sharing of my non-public personal information with non-affiliated third parties. Oportun failed to process this request within the legally required timeframe, resulting in unauthorized sharing of my personal information. This violates GLBA 6802 ( b ).

Oportuns actions have caused me : Financial harm, including denial of credit opportunities and increased interest rates.

Reputational damage due to false credit reporting.

I have disputed this information multiple times, but Oportun continues to furnish inaccurate information to the Credit Reporting Agencies ( CRAs ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian will not take off hard inquiries that I disputed and didn't do

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 2025-01-11 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> TransUnion LLC, Subject : Formal Dispute of Inaccurate Credit Information Dear TransUnion Dispute Resolution Team, I am writing to formally Correct/Update inaccurate information reported on my credit report which I obtained through your services. The disputed information relates to the credit utilization of my XXXX XXXX XXXX  Your report inaccurately reflects a balance of {$17.00} and a utilization rate of 9 %. However, my account from XXXX XXXX XXXX, clearly indicates a balance of {$0.00} with an available credit of {$200.00}. This discrepancy is evident in the attached documents, which include : XXXX. A screenshot of the inaccurate information from your credit report. 


XXXX. My account statement from XXXX XXXX XXXX  verifying the correct account balance. 



I request that you promptly investigate this matter and correct the inaccurate information on my credit file. Once the correction is made, I will gladly withdraw the complaints I have filed with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies regarding this issue. 

Please confirm in writing that the requested correction has been made or provide an explanation if further action is required. I kindly request your prompt attention to this matter, as it directly impacts my creditworthiness. 

Thank you for your cooperation. If you require any additional information or documentation to resolve this dispute, please do not hesitate to contact me. 

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/year>, I formally challenged the validity of an alleged bankruptcy listed on my credit report under my Social Security number. I also disputed this account with Transunion and they indicated that the information was " verified '' through XXXX records. I requested that XXXX provide me with all documentation and information used to verify this alleged bankruptcy, including but not limited to the original documents containing my signature and the signature of the XXXX XXXX XXXX XXXX. 
If they could not produce these documents to substantiate the claim, I requested that they immediately remove the bankruptcy entry from my credit report. This inaccurate entry is adversely affecting my credit standing and defaming my character.

Additionally, I express to them there may be violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( a ) ( 4 ), which emphasizes the need for accurate credit reporting to ensure fair treatment of consumers, and 15 U.S.C. 1681b ( a ), which outlines the permissible purposes for accessing a consumers credit information. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2, I was entitled to have this fraudulent information removed from my credit report expeditiously. I insisted that they do not use automated verification methods such as e-Oscar to investigate my claim, as these methods are insufficient for verifying the accuracy of such serious allegations. I also included I was maintaining detailed records of all correspondence and actions related to this matter. Including that there failure to respond within my entitled to have this fraudulent information removed from my credit report expeditiously. Under the FCRA, I may seek up to {$1000.00} per violation for defamation and negligent enablement of fraud.

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 2025-01-11 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: PA

Complaint narrative:
After learning that my information was leaked in XXXX 's data breach I combed over my reports and found several accounts that I XXXX XXXX, did not authorize to be open nor listed on my consumer report. I have reached out to Experian and listed companies to inform them all that they are in violation of the FRCA in many ways. My right to privacy and having a report 100 % free of inaccuracies is a law not an option. I am tried of the credit bureaus claiming said accounts have been verified and when I ask for proof I hear back nothing. when I called and asked for proof I was told " we don't send these documents ''. This is a crime! I am a victim and If I can't resolve this issue I will have to make this a legal matter. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud

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 2025-01-11 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: TX

Complaint narrative:
According to Section 605B of the Fair Credit Reporting Act. I have the right to request that these accounts listed below be blocked by the Credit Reporting agencies ( CRA ) that is reporting this to my consumer report. All these Accounts are due to identity theft. My information was compromised due to the DATA BREACHES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ACCOUNTS ARE FRAUDULENT, DUE TO IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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:
According to Section 605B of the Fair Credit Reporting Act. I have the right to request that these accounts listed below be blocked by the Credit Reporting agencies ( CRA ) that is reporting this to my consumer report. All these Accounts are due to identity theft. My information was compromised due to the DATA BREACHES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ACCOUNTS ARE FRAUDULENT, DUE TO IDENTITY THEFT.

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 2025-01-11 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: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00} These credit accounts are the results of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: PA

Complaint narrative:
After learning that my information was leaked in XXXX 's data breach I combed over my reports and found several accounts that I XXXX XXXX, did not authorize to be open nor listed on my consumer report. I have reached out to XXXX, XXXX, Transunion and listed companies to inform them all that they are in violation of the FRCA in many ways. My right to privacy and having a report 100 % free of inaccuracies is a law not an option. I am tried of the credit bureaus claiming said accounts have been verified and when I ask for proof I hear back nothing. when I called and asked for proof I was told " we don't send these documents ''. This is a crime! I am a victim and If I can't resolve this issue I will have to make this a legal matter. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud

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 2025-01-11 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: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
on XX/XX/year> this company pulled my credit report without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> TransUnion LLC, Subject : Formal Dispute of Inaccurate Credit Information Dear TransUnion Dispute Resolution Team, I am writing to formally Correct/Update inaccurate information reported on my credit report which I obtained through your services. The disputed information relates to the credit utilization of my XXXX XXXX XXXX  Your report inaccurately reflects a balance of {$17.00} and a utilization rate of 9 %. However, my account from XXXX XXXX XXXX, clearly indicates a balance of {$0.00} with an available credit of {$200.00}. This discrepancy is evident in the attached documents, which include : 1. A screenshot of the inaccurate information from your credit report. 


XXXX. My account statement from XXXX XXXX XXXX  verifying the correct account balance. 



I request that you promptly investigate this matter and correct the inaccurate information on my credit file. Once the correction is made, I will gladly withdraw the complaints I have filed with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies regarding this issue. 

Please confirm in writing that the requested correction has been made or provide an explanation if further action is required. I kindly request your prompt attention to this matter, as it directly impacts my creditworthiness. 

Thank you for your cooperation. If you require any additional information or documentation to resolve this dispute, please do not hesitate to contact me. 

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. And TransUnion LLC Consumer Disclosure Center XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Was contacted with my water bill, lease, ID, ssn and a signature asking for all holds, locks, freezes, alerts, comments etc be lifted from my account so my report could be pulled. I also asked for only two address to appear and the rest to be deleted. I then showed how XXXX and Transunion has removed XXXX account for a charge off and you guys still have it there even after the company letter for removal. You are in violations some including : U.S.Code 1681 ( s ) -2 ( Any payments during COVID-19 are required to be deferred or forgiven ) 15 U.S.Code 1681 ( 4 ) ( You have a right to privacy If you consider your late paymentikes to be private information, they must be deleted from your credit ) XXXX 15 U.S.Code 1681 ( a ) ( Any transactions between you and the creditors are required to be excluded from your credit report. ) I also stated to remove all Inquiries showing and broke down which and the times and you guys replied with 0 issue resolved. It is your duty to uphold the law and hold 3rd parties responsible for the consumers sake

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 2025-01-11 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: MI

Complaint narrative:
Subject : Formal Complaint Against TransUnion for FCRA Violations and Failure to Remove Fraudulent Accounts To Whom It May Concern, I am submitting this formal complaint against TransUnion for its continued failure to comply with the Fair Credit Reporting Act ( FCRA ) and refusal to remove fraudulent accounts from my credit report despite my submission of legally valid documentation. 
Issues with TransUnions Handling of My Dispute : 2. Illegal Reinsertion of XXXX XXXX XXXX Account ( FCRA 611 ( a ) ( 5 ) ( B ) ) * TransUnion previously removed this account but has since reinserted it without proper notification or certification. 
* This is a clear violation of federal law, which requires proper verification before re-reporting a previously deleted item. 
4. Failure to Remove Fraudulent Identity Theft Accounts ( FCRA 605B ) * I submitted an FTC Identity Theft Report and a Police Report, yet TransUnion refuses to comply with federal requirements and remove the fraudulent XXXX XXXX XXXX account. 
6. Failure to Provide Verification ( FCRA 609 ( a ) ( 1 ) ( A ) ) * I have repeatedly requested documentation proving that the disputed accounts belong to me, but TransUnion has failed to provide any signed contract or original application. 
* Simply stating that the account is verified without providing supporting documents is an FCRA violation. 
8. Refusal to Remove Unauthorized Hard Inquiries ( FCRA 604 ) * TransUnion has refused to remove multiple unauthorized inquiries from my credit report, despite no evidence of my consent for these inquiries. 
10. Failure to Remove Outdated Personal Information * TransUnion has also failed to remove outdated phone numbers and addresses from my credit profile, further violating my consumer rights. 
Requested Action from CFPB : 2. Immediate CFPB intervention to enforce TransUnions compliance with the Fair Credit Reporting Act. 
4. A formal investigation into TransUnions dispute resolution process and failure to honor consumer protections. 
6. An order compelling TransUnion to permanently remove fraudulent accounts, inquiries, and incorrect personal data. 
8. Compensation of {$15000.00} for damages caused by TransUnions negligence and repeated violations. 
Supporting Documentation : * FTC Identity Theft Report * Police Report * Correspondence with TransUnion * Highlighted Credit Report with Disputed Items I urge the CFPB to take immediate action against TransUnion for its continued noncompliance with federal regulations and its harmful impact on my credit and financial standing. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint regarding the wrongful cancellation of my account by Discover Financial Services. I believe this action was unjustified and has caused me undue hardship. I am seeking your assistance in resolving this matter promptly and fairly. 

On XX/XX/year> I was informed that my account with Discover had been closed without prior notice or a clear explanation. This decision has significantly impacted my financial stability and creditworthiness. I have diligently maintained my account, adhered to all terms and conditions, and ensured timely payments. 

Despite reaching out to Discovers customer service department multiple times, I have been unable to obtain a satisfactory explanation or resolution. The representatives I spoke with provided vague responses that did not clarify the reasoning behind the cancellation or offer an opportunity to appeal the decision. This lack of transparency is deeply concerning. 

The sudden cancellation of my account has : Negatively affected my credit score due to the abrupt change in my credit utilization and account history. 

Restricted access to necessary funds and services, creating financial strain. 

Resulted in XXXX XXXX and inconvenience due to the uncertainty and lack of communication from Discover.

Company response to consumer: Closed with explanation