vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX  Subject : Dispute of Inaccurate Bankruptcy Reporting by Experian Violation of FCRA, FDCPA, and CFPB Regulations To Whom It May Concern, I am writing to formally dispute Experians inaccurate reporting of a bankruptcy and associated accounts on my credit report. Experian did not obtain this bankruptcy information directly from the court, which calls into question the accuracy of their reporting. This violates multiple consumer protection laws, including but not limited to : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. Since Experian did not verify this bankruptcy directly with the court, the information is unverified and inaccurate.

1681i : Consumers have the right to dispute inaccurate information, and credit reporting agencies must investigate and correct any errors within 30 days. 
1681c ( a ) ( 1 ) : A bankruptcy must be reported accurately and can not be listed for more than 10 years. If Experians source for the bankruptcy is not the court itself, they are misrepresenting the source and validity of this information.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 ( If a debt collector is involved ) 1692e ( 8 ) : It is illegal for a debt collector to report false or misleading information to a credit reporting agency. If any debt collector is reporting this bankruptcy information inaccurately, this would constitute a direct violation of the FDCPA. 
3. Consumer Financial Protection Bureau ( CFPB ) Regulations Under CFPB guidance, credit bureaus must ensure they are using reliable and verifiable sources. Reporting bankruptcy information without court verification is deceptive and misleading, violating CFPBs prohibition against unfair, deceptive, or abusive acts or practices ( UDAAP ).

Because Experian is failing to comply with these laws, I demand that the inaccurate bankruptcy and all associated accounts be removed from my credit report immediately. I have attached a copy of my credit report with the disputed information
highlighted, along with any supporting documentation.

Failure to correct this violation may result in further action, including formal complaints to the Federal Trade Commission ( FTC ), CFPB, and potential legal recourse.

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 2025-02-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX XXXX Balance : {$1000.00}, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/year> XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry 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 2025-02-07 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: MS

Complaint narrative:
I am rewriting to EQUIFAX follow up on a previous complaint regarding fraudulent and unauthorized hard inquiries that continue to appear on my credit report. Despite my prior communication, it seems that no action has been taken to address this alarming issue. These unauthorized inquiries remain unresolved, causing significant harm to my credit reputation and ongoing distress. As detailed in my Federal Trade Commission ( FTC ) Identity Theft Report, reference number XXXX, I have never authorized the companies responsible for these hard inquiries to access my credit report. These inquiries were made without my consent or knowledge, constituting a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA requires credit reporting agencies to ensure that all information included in a consumers credit report is accurate and authorized. EQUIFAXs failure to remove these fraudulent inquiries after being notified of their unauthorized nature violates its legal obligations under the FCRA, including the duty to investigate disputes and verify the accuracy of reported information. I respectfully request that EQUIFAX take immediate action by conducting a thorough investigation into the unauthorized hard inquiries identified in my credit file. These inquiries must be promptly removed, as they lack proper authorization. Furthermore, I ask that you provide written confirmation of your findings and detail the corrective actions taken to ensure compliance with the FCRA. Please treat this matter with the urgency it deserves. If EQUIFAX fails to address these inaccuracies within the legally mandated timeframe, I may be forced to escalate the matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies to protect my rights under federal law. Thank you for your attention to this serious issue. I trust that EQUIFAX will fulfill its obligations under the FCRA and take the necessary steps to resolve this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX IN XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: AR

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Identity theft A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries- XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 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 2025-02-07 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: 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 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 2025-02-07 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:
I am contacting you to address several concerns regarding errors in my credit report, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing discrepancies.

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 2025-02-07 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 contacting you to address several concerns regarding errors in my credit report, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing discrepancies.

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 2025-02-07 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:
I am writing to bring attention to several issues I have encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
Transunion and Experian under UCC9-609 it was illegal to repo my vehicle without a court ordered judgment which they did not have .that makes the repo fraud that you both are reporting on my credit report { grand theft auto } without a court judgement i am entitled statutory damages and can get a full refund on repo but you both are in violation of my rights reporting this account on my credit report your in lawful communication on my credit report 15USC1692c i request that you both remove this account at once 15USC1681e { b }, 15USC1681s 2 { B } please know Equifax is not reporting this account which makes this account inaccurate reporting across the credit reporting companies .I will be filing for a full refund for the vehicle and damages 15USC1666b defamation of character, emotional distress, identity theft. please refer back through the CFPB

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 2025-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
I started my home loan with XXXX XXXXXXXX in XX/XX/year> and then the bank transfer our home loan to fay services from about one year for no reason, now fay services increased the monthly payment from {$1600.00} to {$1900.00} per month for no reason, they just deducted from our checking account without any explanation. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: KS

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2025-02-07 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Dispute of Unauthorized Credit Inquiries Dear Equifax, I am writing to formally dispute unauthorized inquiries listed on my credit report. Upon reviewing my report, I noticed the following inquiries that I do not recognize and did not authorize : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Since I did not authorize these inquiries, I am requesting their immediate removal from my credit file. 

Please investigate this matter and provide me with documentation verifying that these inquiries were authorized. If you can not provide such proof, I ask that you delete them from my credit report as soon as possible. 

I have attached a copy of my credit report with the disputed inquiries, along with a copy of my identification for verification purposes. 

Please respond to this dispute in writing within 30 days of receiving this letter, as required by the FCRA. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: CT

Complaint narrative:
I have sent at letters to the 3 credit bureaus in reference to accounts that were charged off which means they were purchased at a lower rate than i owe and they are all 3 showing the incorrect balance. If they charge off my account they should be showing accurate and complete information. The information is not accurate or complete.

All 3 credit bureaus have the same information. 

examples : XXXX charged off and written off at {$3.00} is that the amount the paid to purchase this debt. 

XXXX XXXX Charged off and written off {$5300.00} is that the amount paid to purchase the debt XXXX XXXX charged off and written off {$1900.00} is that the amount paid to purchase the debt. 

My name and address has been incorrect and i have sent my license and my pay stub at least 3 -4 times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: VA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX have not supplied the original contracts nor do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  have my wet signature on any documents. 

XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX sold my personal identifiable information ( name, SSN, addresses, etc. ) to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, and True Accord are now reporting accounts in collections on my credit reports with Equifax, Experian, and TransUnion.

This is a direct violation of 15 USC 1681b as XXXX XXXX XXXX, XXXX XXXX XXXX, and True Accord do not have my permission to furnish info to credit reporting agencies on my behalf. 

This is also a direct violation of 15 USC 1681c-2 as these accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and True Accord were opened due to identity theft as my personal information was shared without my knowledge and permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX XXXX I got charged for two separate bills from my XXXX  XXXX payments to my chase checkings account and for both I had to end up paying XXXX $ to overdraft even tho my account was negative it was only so for a day. XX/XX/XXXX at end of night around XXXX pm I deposited XXXX XXXX For a day I couldnt pay my charges and then the XXXX $ overdraft fee is a lot. I usually have. Some money flowing into account. Please help me restore those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: AL

Complaint narrative:
I am filing this complaint against Experian and XXXX XXXX XXXX for reporting an inaccurate debt on my credit report without proper validation, violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

For over a year, I have disputed an inaccurate accounts from XXXX XXXX XXXX that appears on my Experian credit report. Despite my repeated disputes, Experian has refused to remove the account, stating it has been verified. However, neither Experian nor XXXX XXXX XXXX has provided any valid documentation proving that I owe this debt.

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the FCRA, I have the legal right to receive : 1. A description of the method of verification Experian used to validate the debt.

2. The name and contact information of the entity that verified the debt.

3. Copies of any documentation used in the verification process.

Experian has failed to provide any of the above, making it clear that they are not following proper procedures as required by law.

Additionally, under the FDCPA ( 15 U.S.C. 1692g ), XXXX XXXX XXXX must provide validation of the debt when requested. They have failed to do so

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 2025-02-07 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: VA

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 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