vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: TRUIST FINANCIAL CORPORATION
State: UT

Complaint narrative:
We closed on our home in Florida on XX/XX/year> ( SELLER ) TRUIST Bank filed a Insurance Policy on a closed HELOC on that property on XX/XX/year>. 

The house was sold and closed through the title agency and cleared to close. 

Truist charged XXXX to a HELOC that was closed and put an insurance policy on a home we dont own. 

We contacted Truist to have the refund and remove the policy on the home we sold, they wont remove, wont refund the money and will not send us any documents pertaining to the Insurance policy to forced on a closed HELOC after the title company closed the loan and cleared title.

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 2025-02-25 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: MD

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 2025-02-25 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: PA

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. Under USC 1681g, I am asking for their deletion within 15 days. Please find the necessary documents enclosed for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX regarding account XXXX, which is reporting inconsistent and inaccurate information across all three credit bureaus, violating 15 U.S. Code 1681 ( Fair Credit Reporting Act ). The account reflects different " date last active '' and " reporting dates '' across XXXX, Experian, and XXXX, which is not possible for the same account and fails to meet FCRA accuracy requirements. Additionally, you have falsely reported the account as 120 days late in both XXXX and XX/XX/XXXX, which is impossible. There was no prior 60-day or 90-day late payment leading up to these reports, making this information clearly inaccurate. Furthermore, the last reported 30-day late payment was in XX/XX/XXXX, yet you have also marked XX/XX/XXXX and XX/XX/XXXX as 30 days late, further contradicting your own reporting. 

It is also important to note that your companys business registration has been forfeited in Texas, meaning this account should not be legally reported. The presence of these errors suggests either a blatant disregard for compliance with the law or significant negligence in reporting practices. As a result, I am demanding the immediate deletion of this account from my consumer report. If this request is not met, I will pursue legal action for damages caused by these violations. I expect a prompt response and corrective action in accordance with federal law.

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 2025-02-25 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: TX

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX regarding account XXXX, which is reporting inconsistent and inaccurate information across all three credit bureaus, violating 15 U.S. Code 1681 ( Fair Credit Reporting Act ). The account reflects different " date last active '' and " reporting dates '' across Equifax, XXXX, and XXXX, which is not possible for the same account and fails to meet FCRA accuracy requirements. Additionally, you have falsely reported the account as 120 days late in both XXXX and XX/XX/XXXX, which is impossible. There was no prior 60-day or 90-day late payment leading up to these reports, making this information clearly inaccurate. Furthermore, the last reported 30-day late payment was in XX/XX/XXXX, yet you have also marked XX/XX/XXXX and XX/XX/XXXX as 30 days late, further contradicting your own reporting. 

It is also important to note that your companys business registration has been forfeited in Texas, meaning this account should not be legally reported. The presence of these errors suggests either a blatant disregard for compliance with the law or significant negligence in reporting practices. As a result, I am demanding the immediate deletion of this account from my consumer report. If this request is not met, I will pursue legal action for damages caused by these violations. I expect a prompt response and corrective action in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
Equifax Refuses To Correct An Ongoing Issue : Missing Accounts on my credit report, the other Credit Bureaus are reporting all my accounts correctly. 

***Missing Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Refuse To Update My Consumer Statement, after 6 requests, ***Will Not Block Ongoing Fraudulent Disputes, ***Please Do Not Allow Phone Number On My Fraud Alert ( High Risk For Identity Theft , From Ex-Spouse )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Im responding in regards to case XXXX. The inspection on the car was done on XX/XX/year> and the car was returned on the same date. The letter from nissan states XX/XX/XXXX, which is not accurate. 

Since this car was returned on the XXXX, I should not be billed to make full payment of {$2800.00} by XX/XX/XXXX. I never received the letter by nissan on XX/XX/XXXX, until i login to the website on XX/XX/XXXX and noticed i was being billed. I should be given enough time to make arrangements to pay this bill. 

I need Nissan to extend the payment until XXXX without impacting my credit and sending this account to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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 non-monetary relief
Consumer complaint received 2025-02-25 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: MO

Complaint narrative:
I have contacted Experian, XXXX XXXX, and Equifax on many occasion regarding repeat inaccurate information appearing on my credit report. I have also explained no knowledge of such accounts, they remove them then they appear again. Now they are reporting information that does not belong to me and appears to be of a medical nature from some sort of laboratory. This is blatant exaple of their continued disregard for the law. I am seeking full investigation and possible legal representation into this illegal action. I have contacted all three credit bureaus and all three continue to report this false information. I am at my wits end, please help!

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 2025-02-25 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have contacted Experian, XXXX XXXX, and Equifax on many occasion regarding repeat inaccurate information appearing on my credit report. I have also explained no knowledge of such accounts, they remove them then they appear again. Now they are reporting information that does not belong to me and appears to be of a medical nature from some sort of laboratory. This is blatant exaple of their continued disregard for the law. I am seeking full investigation and possible legal representation into this illegal action. I have contacted all three credit bureaus and all three continue to report this false information. I am at my wits end, please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: AZ

Complaint narrative:
I have been the victim of identity theft following the XXXX XXXX XXXX. I have confirmed via the breach settlement offer that my information was compromised and now I have several fraudulent accounts populating on my credit reports. I have filed reports with both the FTC and the XXXX in an effort to get justice against the criminals who did this to me. I am requesting that all of these fraudulent accounts be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) so that I may avoid further financial harm. I appreciate your prompt attention to this matter.

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 2025-02-25 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: FL

Complaint narrative:
I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-02-25 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

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

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 2025-02-26 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 am submitting this dispute regarding the following accounts, which have been repeatedly challenged and remain unjustly reported on my credit file : 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 ), and XXXX  ( XXXX ). Despite prior disputes, these accounts have not been removed, demonstrating clear willful non-compliance with the Fair Credit Reporting Act. Under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a proper reinvestigation and delete or correct inaccurate, incomplete, or unverifiable information. Additionally, 15 U.S.C. 1681n and 1681o establish liability for willful and negligent noncompliance, entitling affected consumers to statutory damages of {$1000.00} per violation. The continued reporting of these disputed accounts obstructs my ability to obtain credit under permissible purposes defined in 15 U.S.C. 1681b and constitutes an ongoing violation of my rights. I demand the immediate and permanent deletion of these accounts to prevent further harm. Failure to act accordingly may result in legal action to enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Experian for FCRA Violation Unauthorized Reinsertion of Previously Removed Accounts Dear Consumer, Financial Protection Bureau, I am filing a formal complaint against Experian for violating Section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ).

I previously disputed several inaccurate accounts on my credit report due to identity theft. Experian investigated the matter and subsequently removed the following accounts from my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, I recently discovered that these accounts have been reinserted without any prior notification, which is a direct violation of FCRA regulations. 
As you are aware, FCRA Section 611 ( a ) ( 5 ) ( B ) requires credit reporting agencies to notify consumers within XXXX business days if previously deleted information is reinserted. Experian failed to provide me with such notice, causing undue stress and potential damage to my credit profile. 
I have attempted to resolve this issue directly with Experian, but they have failed to provide an adequate response. I am now requesting CFPBs intervention to ensure Experian complies with the law and removes these unauthorized reinsertions immediately. 
Enclosed with this letter are copies of : My initial dispute letter regarding the above accounts Confirmation from Experian of the accounts removal Documentation proving the unauthorized reinsertions My recent dispute with Experian regarding this issue I appreciate your prompt attention to this matter and your assistance in holding Experian accountable for this clear violation of federal law. Please let me know if you require any additional information to proceed with the investigation.

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 2025-02-25 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: CL Holdings LLC
State: OH

Complaint narrative:
In accordance with the fair credit reporting act has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 2 : it also states a consumer reporting agency can not CAN NOT furnish my account without my written permission This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation