vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 
Please remove the following items from my credit report, immediately 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 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I attempted to dispute my loans with XXXX XXXX due to my personal and financial information being compromised without my authorization. XXXX protects the confidentiality of student records. The breach violates the contract and renders it null and void. They did not successfully process my dispute despite my personal information being breached.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-10 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: OH

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe 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 2025-02-10 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: NV

Complaint narrative:
I have included documentation from the relevant authorities to back up my claims. I would appreciate it if you could quickly eliminate the fraudulent entries from my credit report and take the necessary actions to correct any inaccuracies or fraudulent activities.

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 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc.
State: VA

Complaint narrative:
I called into their Customer Service and informed them that I needed to update my address on file because I relocated manager said I can email them A copy of my Identity card XXXX and utility bill to request update before I presented my check to cash. Once I sent email from my email address XXXX they confirmed receipt than placed a block on my account saying would not update my information. This is my correct consumer data and I do not tolerate consumer privacy violations to my identity '. The company has my debit and XXXX information and I demand that they cease and desist all restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to formally dispute a hard inquiry that appeared on my credit report on XX/XX/2025, initiated by CBNATHD ( also known as Citibank XXXX XXXX and The Home Depot ) located at XXXX XXXX XXXX XXXX XXXX, TN XXXX. This inquiry was generated as an " Individual Inquiry '' and was made without my authorization or permission. 

I have not applied for credit or any services that would necessitate a credit check from CBNATHD. Therefore, I believe this unauthorized inquiry may constitute a violation of the Fair Credit Reporting Act ( FCRA ).

Specifically, I am concerned that this inquiry may be the result of : Attempted identity theft : CBNATHD may have failed to properly verify my identity, allowing an unauthorized individual to access my credit information. 
Improper use of my credit information : CBNATHD may have accessed my credit report for purposes unrelated to a legitimate business need, potentially to further their own interests.

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 2025-02-10 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 2025-02-10 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 non-monetary relief
Consumer complaint received 2025-02-10 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-10 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
I recently checked my credit report on XXXX. I saw a notice under collections for {$740.00} for XXXX for an account ( account number XXXX ) opened on XX/XX/XXXX. The collection agency is Sequium Asset Solutions. 
I never opened a XXXX account, we do not have XXXX and, as a matter of fact, we cancelled out XXXX back in XXXX. I was the victim of identity theft back in XXXX and suspect this is fraud. I have called Sequium Asset solutions repeatedly but keep getting a recorded message instructing me to leave a voice mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-02-10 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 XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed or amended the disputed accounts, as Experian inaction violates federal law and my rights as a consumer

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 2025-02-10 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:
Unauthorized accounts linked to identity theft have appeared on my consumer report without my written authorization or signature, causing severe financial and emotional distress. Despite my recent communications with your organization about this matter, these fraudulent entries continue to misrepresent my credit history and responsibilities, critically impacting my ability to achieve important financial goals like purchasing a home and providing for my family 's needs. The ongoing presence of these unauthorized accounts requires immediate intervention to prevent further damage to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NV

Complaint narrative:
I am writing to formally address your response regarding my credit dispute. It is evident that your request for additional information is nothing more than a stall tactic in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), which mandates that credit reporting agencies conduct a reasonable investigation within 30 days ( or 45 days if the dispute is based on a free annual credit report ).

Failure to Comply with FCRA Regulations Under FCRA 611 ( a ) ( 1 ) ( A ), you are required to conduct a full and reasonable investigation, including contacting the original furnisher of the information. You can not delay my dispute by demanding unnecessary documentation that is not required by law.

FCRA 611 ( a ) ( 5 ) ( A ) states that if the disputed item can not be verified, it must be removed from my credit report. If the furnisher fails to respond within the allotted time, you must delete the item immediately. 
Your response also fails to comply with CFPB guidance, which requires credit bureaus to substantiate disputed information with verifiable evidence rather than shifting the burden onto the consumer. 
Immediate Action Required I demand immediate verification of the disputed item, including all supporting documentation from the furnisher.

If you fail to verify the accuracy of the information within the legally mandated time frame, you are required by law to delete the disputed account from my credit report.

Suppose I do not receive a satisfactory resolution within the required timeframe. In that case, I will escalate this matter by filing a formal complaint with the Federal Trade Commission ( FTC ) for noncompliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to formally address your response regarding my credit dispute. It is evident that your request for additional information is nothing more than a stall tactic in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), which mandates that credit reporting agencies conduct a reasonable investigation within 30 days ( or 45 days if the dispute is based on a free annual credit report ).

Failure to Comply with FCRA Regulations Under FCRA 611 ( a ) ( 1 ) ( A ), you are required to conduct a full and reasonable investigation, including contacting the original furnisher of the information. You can not delay my dispute by demanding unnecessary documentation that is not required by law.

FCRA 611 ( a ) ( 5 ) ( A ) states that if the disputed item can not be verified, it must be removed from my credit report. If the furnisher fails to respond within the allotted time, you must delete the item immediately. 
Your response also fails to comply with CFPB guidance, which requires credit bureaus to substantiate disputed information with verifiable evidence rather than shifting the burden onto the consumer. 
Immediate Action Required I demand immediate verification of the disputed item, including all supporting documentation from the furnisher.

If you fail to verify the accuracy of the information within the legally mandated time frame, you are required by law to delete the disputed account from my credit report.

Suppose I do not receive a satisfactory resolution within the required timeframe. In that case, I will escalate this matter by filing a formal complaint with the Federal Trade Commission ( FTC ) for noncompliance with the FCRA.

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 2025-02-10 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: SC

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 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 2025-02-10 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: SC

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 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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Received email XX/XX/year> XXXX from XXXX XXXX stating a credit card account was created under my name and that tires were purchased in XXXX XXXX NY in the amount of {$1300.00}. I live in Texas and I did not open an account with XXXX XXXX nor did I purchase tires from them. I contacted the XXXX XXXX store in XXXX, NY and was told there were other fraud accounts also opened at their store the same day. They cancelled the order. I contacted the credit card company and they told me they would close the account and file fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I WAS IN THE PROCESS OF BUYING A HOUSE. SO I ALLOWED XXXX XXXX XXXX TO RUN MY CREDIT. THE FIRST TIME THEY RAN IT. I HAD A LATE PAYMENT ON MY MORTGAGE ACCOUNT WITH XXXX XXXX XXXX XXXX AND MY XXXX XXXX XXXX CREDIT ACCOUNT. I DISPUTED THAT AND ASKED THEM TO REMOVE IT. NOTHING HAPPEN. THEY SENT A UPDATED WITH CUSTOMER DISAGREES, XXXX XXXXXXXX HAD TO RUN MY CREDIT AGAIN BECAUSE I HADNT FOUND A HOUSE FAST ENOUGH AND I WANTED TO SEE IF I CAN GET A BETTER INTEREST RATE. THIS TIME ONE EVERY ACCOUNT. IT HAD A REMARK THAT STATES THAT COMPLETED INVESTIGATION OF FCRA DISPUTE -CONSUMER DISAGREES. ON EVERY ACCOUNT ON MY REPORTS. I HAVE NOT DISPUTED ANYTHING BECAUSE I KNEW IT WOULD STOP MY BUYING PROCESS. THE LENDER CALLED AND SAID I WAS IN A DISPUTE AND THAT I COULDN'T BUY WHILE IN DISPUTE PROCESS. I DISPUTED THEM ALL WITH EXPERIAN. THEN WAS TOLD BY LENDER NOT TOO. BECAUSE THEY SEE THAT ALL MY ACCOUNTS WAS IN GOOD STANDING. SO THEY KNEW I HAD NO REASON TO EVEN DISPUTE ANYTHING. EXPERIAN DISPUTED IT AND PUT THE SAME REMARK BACK ON MY CREDIT REPORTS. COULD NOT GIVE ME A REASON OR WHO PUT IT ON THERE. THIS HAS REALLY SET ME BACK MENTALLY AND FINANCIALLY.

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 2025-02-10 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: OH

Complaint narrative:
I WAS IN THE PROCESS OF BUYING A HOUSE. SO I ALLOWED XXXX XXXX XXXX TO RUN MY CREDIT. THE FIRST TIME THEY RAN IT. I HAD A LATE PAYMENT ON MY MORTGAGE ACCOUNT WITH XXXX XXXX XXXX XXXX AND MY XXXX XXXX XXXX CREDIT ACCOUNT. I DISPUTED THAT AND ASKED THEM TO REMOVE IT. NOTHING HAPPEN. THEY SENT A UPDATED WITH CUSTOMER DISAGREES, XXXX XXXXXXXX HAD TO RUN MY CREDIT AGAIN BECAUSE I HADNT FOUND A HOUSE FAST ENOUGH AND I WANTED TO SEE IF I CAN GET A BETTER INTEREST RATE. THIS TIME ONE EVERY ACCOUNT. IT HAD A REMARK THAT STATES THAT COMPLETED INVESTIGATION OF FCRA DISPUTE -CONSUMER DISAGREES. ON EVERY ACCOUNT ON MY REPORTS. I HAVE NOT DISPUTED ANYTHING BECAUSE I KNEW IT WOULD STOP MY BUYING PROCESS. THE LENDER CALLED AND SAID I WAS IN A DISPUTE AND THAT I COULDN'T BUY WHILE IN DISPUTE PROCESS. I DISPUTED THEM ALL WITH EXPERIAN. THEN WAS TOLD BY LENDER NOT TOO. BECAUSE THEY SEE THAT ALL MY ACCOUNTS WAS IN GOOD STANDING. SO THEY KNEW I HAD NO REASON TO EVEN DISPUTE ANYTHING. EXPERIAN DISPUTED IT AND PUT THE SAME REMARK BACK ON MY CREDIT REPORTS. COULD NOT GIVE ME A REASON OR WHO PUT IT ON THERE. THIS HAS REALLY SET ME BACK MENTALLY AND FINANCIALLY.

Company response to consumer: Closed with non-monetary relief