vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: AR

Complaint narrative:
Company phone banks are brushing me off about this. Experian advertised " no ding decline '' ( ndd ) credit card offers. I applied for an ndd credit card offer from XXXX XXXX advertised on the Experian website on XXXX XXXX XXXX and they declined it and placed an inquiry on my credit report anyway. I think they will claim that I clicked on a different offer that happened to be prominently advertised on Experian 's ndd page. When I go on to Experian now they no longer have " no XXXX decline '' credit card offer on my profile but when I saw later versions of their ndd page I had to scroll past a heavily advertised " XXXX XXXX '' offer to see their ndd offers which were below the bottom of my screen. When my homeowner 's insurance renewed in XX/XX/XXXX my insurer said they could not offer me their lowest rate because of credit card balances and recent inquiries based on an XX/XX/XXXX credit report. I paid off my credit cards and was being careful to keep inquiries off of my credit report so I could search for cheaper insurance when it renewed on XX/XX/XXXX. My insurance went up but they did not say it was not their lowest rate this time. I was unable to compare insurance offers because other insurers would be looking at reports that included that inquiry.

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 2025-01-09 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-01-09 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: TN

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 XXXX XXXX XXXX. 

XXXX Acct # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX, Bankruptcy Ref # XXXX I looked at my Transunion credit report and noticed some things are incomplete and inaccurate and according to The Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure accuracy of the information concerning the individual about who the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

According to XXXX XXXX XXXX i XXXX they are supposed to do this ( XXXX ) treatment of inaccurate or unverifiable information. 
( A ) In general if after any reinvestigation under paragraph ( XXXX ) 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 od the consumer. 

According to XXXX XXXX XXXX XXXX they are suppose to not furnish any information relating to a 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 2025-01-09 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: TX

Complaint narrative:
After reviewing my consumer report, I discovered inaccurate late payments reported by XXXX XXXX for account number XXXX. Specifically, the reported late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are incorrect. Despite multiple attempts to resolve this issue with XXXX XXXX, their negligence continues to negatively impact my life and creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), the following requirements must be met before reporting late payments on a consumer report : 1. Accuracy and Verification : Late payments must be accurately reported, based on documented proof, and verified by the creditor before reporting.

2. Proper Notification : The creditor must notify the consumer and ensure the information is correct before reporting to credit bureaus.

3. Compliance with Reporting Standards : Reporting entities must ensure strict adherence to accuracy and fairness when adding any information to a consumer report.

I am aware that I may be entitled to {$1000.00} per violation under the FCRA. With this account containing 10 inaccurate or unverifiable items, I would be eligible for up to {$10000.00} in damages. However, I am willing to bypass this compensation in exchange for the immediate removal of the inaccurate information from my consumer 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 2025-01-09 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: GA

Complaint narrative:
I have two issues Experian credit score is like XXXX points lower then my credit score with XXXX and XXXX causing me to be charged higher interest rates or been denied. I disputed Collections items on my credit report for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I provided the documents to show that I was a victim of identity theft. Experian repeatedly stated the items are mines I feel the items wasnt investigated, the items was deleted from XXXX and XXXX. Also Experian has dropped me credit score repeatedly when theres no change to my report. Also Experian will not allow me to dispute items on their website.

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 2025-01-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These fraudulent accounts consist of two Student Loan accounts opened on XX/XX/XXXX under the account number ( private ), an mortgage loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), an mortgage loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). Support order opened at Domestic relation Section on XX/XX/XXXX under the account number ( private ). 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. Further these accounts are now considered in litigation. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-01-09 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: GA

Complaint narrative:
I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-01-09 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: OLIPHANT FINANCIAL, LLC
State: PA

Complaint narrative:
I contracted XXXX to have them correct my consumer report and they have yet to remove the account. It is their responsibility to report 100 % accurate information and to protect my right to privacy. I pulled my reports off of XXXX and it does not list any collections yet on XXXX XXXX a collection is being furnished by XXXX which is a major inaccuracy. Oliphant XXXX XXXX is being reported to my consumer report without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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 BEEN AFFECTED BY THE XXXX DATA 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 Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : 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 explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As of XXXX the debt collection was contacted in order to collect the debt. The debt was paid the next day as in full and the account was closed. The account here is of XXXX  XXXX saving and the debt amount was a few XXXX XXXX I did miss the deadline by just 1 day, Remove the derogatory remarks as it negatively impacts my XXXX XXXX as soon as possible.

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 2025-01-09 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: NY

Complaint narrative:
I am writing to formally dispute and request the immediate blocking of fraudulent information on my credit report under the protections granted by 15 U.S. Code 1681c-2A. 
I recently discovered unauthorized or fraudulent accounts and/or inquiries on my credit report. These accounts were established or attempted without my knowledge or consent and are the result of identity theft. Specifically, the disputed items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In compliance with 15 U.S. Code 1681c-2A, I have enclosed the following documentation to support my claim : A copy of a valid driver 's license A copy of a police report or FTC Identity Theft Report ( FTC Report Number : XXXX ) Under the statute, you are required to block the reporting of information that is the result of identity theft within four business days of receiving this notification and the accompanying documentation. I kindly request written confirmation that the disputed information has been blocked from my credit file. 
Additionally, please provide an updated copy of my credit report reflecting these corrections once the fraudulent information has been removed. 
Thank you for your prompt attention to this matter. If you require any further information or documentation, please contact me.

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 2025-01-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute and request the immediate blocking of fraudulent information on my credit report under the protections granted by 15 U.S. Code 1681c-2A.

I recently discovered unauthorized or fraudulent accounts and/or inquiries on my credit report. These accounts were established or attempted without my knowledge or consent and are the result of identity theft. Specifically, the disputed items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In compliance with 15 U.S. Code 1681c-2A, I have enclosed the following documentation to support my claim : A copy of a valid driver 's license A copy of a police report or FTC Identity Theft Report ( FTC Report Number : XXXX ) Under the statute, you are required to block the reporting of information that is the result of identity theft within four business days of receiving this notification and the accompanying documentation. I kindly request written confirmation that the disputed information has been blocked from my credit file. 
Additionally, please provide an updated copy of my credit report reflecting these corrections once the fraudulent information has been removed. 
Thank you for your prompt attention to this matter. If you require any further information or documentation, please contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NJ

Complaint narrative:
As you know Transunion had a data breach and my information was included. The eleven accounts listed I have no knowledge of, please DELETE and BLOCK these creditors from reporting these inaccurate accounts on my credit report. 


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

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human tra_icking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 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 explanation
Consumer complaint received 2025-01-09 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I closed XXXX account and transferred money to another account. Then I tried to withdraw but was told they would have to authorize it first and then call me. But they never called me. I had to make another appointment so that I can take money out of my account. I dont wish to do my banking with this bank anymore. I want to take my money out of my account. I dont wish to have my money in this bank anymore. Before I use to be able to go the bank to take money out. But now the bank wont let me take any money out unless it is a check only with my name only on the check. They think I am doing something illegal which I am not. But they are preventing me from taking my money out when I need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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