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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX subject : Dispute of Unauthorized Hard Inquiries Under 15 U.S.C. 1681b To Whom It May Concern, I am writing to formally dispute unauthorized inquiries on my credit report that I did not authorize, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. This section of the law strictly limits who may access a consumers credit report and under what circumstances.

Upon reviewing my credit report, I noticed the following inquiries that I do not recognize and for which I did not provide explicit authorization XXXXinquiries I want to take off my credit report is : XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX XXXX  XXXX XXXX Important dates Inquiry date XX/XX/XXXX CCB/BREADCASHBACK Important dates Inquiry date XX/XX/XXXX XXXX CARD Important dates Inquiry date XX/XX/XXXX XXXX  XXXX XXXX 
Important dates Inquiry date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Under the FCRA, a company must have a permissible purpose to access my credit report. If these companies do not have a signed authorization or another legally valid reason for these inquiries, they must be removed immediately. 

I request that you investigate these inquiries and provide proof of my authorization. If no such proof exists, I demand that these inquiries be removed from my credit file immediately. Additionally, please provide me with an updated copy of my credit report reflecting these changes. 

Failure to comply with this request may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or legal action. 

Please confirm in writing that you have removed these inquiries from my credit report. I expect a response within 30 days, as required by the FCRA. If you determine that any of the listed inquiries do not meet the permissible purpose requirements of 15 USC 1681b, I request that you promptly remove the unauthorized entries from my credit file. I am also aware of recent legal actions initiated against Experian concerning the inadequate investigation of disputed entries, including unauthorized inquiries. These lawsuits highlight significant concerns regarding compliance with the Fair Credit Reporting Act. In light of these developments, I expect Experian to adhere strictly to its legal obligations by conducting a comprehensive investigation into the inquiries in question and ensuring that only those made under a valid permissible purpose remain on my report.

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 2025-02-02 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Inquiries in Dispute : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/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 explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There is a fraud alert and statement on my credit report that I did not place and have asked to be removed, however transunion refused to do so. I am not able to submit disputes online or remove the statement has they have my online access restricted.

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 2025-02-02 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: MS

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to Experian regarding a repossession account reported on my credit file. As part of my dispute, I specifically requested evidence of compliance showing that the repossession was conducted lawfully and that the reporting is accurate per the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX Experian responded by merely stating that the account was verified without providing any supporting documentation or proof of compliance. Under the FCRA, Experian is required to conduct a reasonable investigation and must provide documentation substantiating the validity of the disputed item. Their failure to provide this documentation suggests either an inadequate investigation or noncompliance with federal regulations. 

I am requesting the CFPBs assistance in compelling Experian to : XXXX. Provide documented proof that the repossession was conducted in compliance with applicable laws. 
XXXX. Remove the repossession from my credit report if they can not provide such proof. 
XXXX. Ensure Experian adheres to proper dispute investigation procedures under the FCRA. 

I have attached copies of my original dispute letter, Experians response, and any supporting documents for reference.

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 2025-02-02 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-02-02 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have disputed my credit reports since XXXX through XXXX I have seen items to drop off my credit report and 30 days later it was back on the report. The address that they have that I have lived at I never lived XXXX XXXX CA, or XXXX or XXXX XXXX XXXX  XXXX. I have so many inquires on my credit report and I haven't applied for credit since XXXX, I don't know what you all are doing but you all are not helping with these disputes it like you all are passing the buck. I have been apart of XXXX data breaches so far and it may be more and I have signed up for fraud protection and I have Frozen all accounts but for some reason this isn't working I have been fighting to get my credit fixed for 10 years with nothing being done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I have previously requested verification of the debt in writing, yet the agency continues collection efforts and negative credit reporting without proper substantiation. Specifically, my complaints are as follows : 1. Failure to provide adequate validation of the debt upon my request.

2. Continued attempts to collect a potentially inaccurate or unverified debt.

3. Reporting inaccurate or unverifiable information to credit bureaus, harming my credit profile.

4. Engaging in harassing or misleading communication regarding the debt. 

These actions violate my rights under federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX I need a update on my escalation Wells Fargo mediation program that was escalated to the Wells Fargo representative but they didn't contact me tracking number is XXXX and Wells Fargo case number is XXXX and my contact email is XXXX and my phone number is XXXX please look at my attachment below etc my ssn is 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 explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I asked that my report be updated to remove an address that is being reported and nothing has been done and this was months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: VA

Complaint narrative:
I tried to open a Chime checking account and was instantly denied after entering my birthday. I think that this was pretty unusual, especially since I was given any indication as to why my application was instantly denied.

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

Complaint narrative:
Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required. 
Sincerely, XXXX XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute an inaccuracy on my credit report regarding the XXXX XXXX XXXX XXXX account. After reviewing my report, I have found incorrect information that needs to be corrected immediately. 

The specific inaccuracy pertains to the Status Updated date listed as XX/XX/XXXX, whereas my last payment was reported as XX/XX/XXXX. If the account was charged off, the date should reflect the last payment activity accurately. Additionally, the balance update date of XX/XX/XXXX, appears incorrect, as it suggests future reporting, which is not possible. 

According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be accurate, verifiable, and timely. I request that Experian investigate this account and correct the discrepancies, removing any outdated or incorrect information that misrepresents my financial standing.

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 2025-02-02 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: MD

Complaint narrative:
Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required. 
Sincerely, XXXX XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute an inaccuracy on my credit report regarding the XXXX XXXX XXXX XXXX account. After reviewing my report, I have found incorrect information that needs to be corrected immediately. 

The specific inaccuracy pertains to the Status Updated date listed as XX/XX/XXXX, whereas my last payment was reported as XX/XX/XXXX. If the account was charged off, the date should reflect the last payment activity accurately. Additionally, the balance update date of XX/XX/XXXX, appears incorrect, as it suggests future reporting, which is not possible. 

According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be accurate, verifiable, and timely. I request that Experian investigate this account and correct the discrepancies, removing any outdated or incorrect information that misrepresents my financial standing.

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 2025-02-02 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: IL

Complaint narrative:
I recently just look at a copy at my credit report and i notice i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting me to obtain/ get credit.

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 2025-02-02 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:
According to the Fair Credit Reporting Act ( FCRA ), I have a right to dispute any information that is inaccurate or unverifiable. I have already contacted the original creditor who pulled my credit report and filed a dispute with them as well. I kindly request again for these to be removed. Again the inquires that are not accurate are ; XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Bank- XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX I have attached my FTC report

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

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), I have a right to dispute any information that is inaccurate or unverifiable. I have already contacted the original creditor who pulled my credit report and filed a dispute with them as well. I kindly request again for these to be removed. Again the inquires that are not accurate are ; XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Bank- XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX I have attached my FTC report

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 2025-02-02 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: MD

Complaint narrative:
Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required. 
Sincerely, XXXX XXXX Subject : Credit Report Dispute Incorrect Reporting of Account Status Dear Experian Dispute Department, I am writing to formally dispute an inaccuracy on my credit report regarding an account with XXXX XXXX XXXX XXXX. Upon reviewing my report, I noticed a factual error that needs to be corrected immediately. 

The report states that my account has a past due balance of {$33000.00} as of XX/XX/XXXX. However, this information is inaccurate because the account was charged off in XX/XX/XXXX, and no further payments or activity have occurred since that time. Since a charge-off means the creditor has already written off the debt as a loss, the account should not still be accruing a past-due balance for XX/XX/XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy of the information they report. I request that you immediately investigate and correct this inaccuracy by removing the incorrect past-due balance or updating the status to reflect the correct charge-off date without continued reporting of a past-due amount. 

Please provide a written response detailing your findings and any actions taken. If you require any additional information from me, do not hesitate to reach out. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 please remove all unathorized and fradulent accounts and inquires 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 I looked at my Experian credit report on XX/XX/year>2025 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed 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. 


CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS

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