vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a complaint against transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure transunion complies with federal law and provides consumers with the necessary proof of investigation. 


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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im writing out of sheer frustration because Ive noticed consistent inaccuracies in my report that are seriously impacting my scores. These errors arent just numbers on a page; theyre affecting my future opportunitieswhether its access to better financing options or even job-related prospects. Its exhausting to keep seeing mistakes that Ive had no control over damage my credibility and limit my progress. Ive worked too hard to let incorrect information pull me backward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
i have requested verification that the accounts were mine. went through credit bureas and sent request to comany itself

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information and Unauthorized Hard Inquiries on Credit Report Dear TransUnion Dispute Resolution Team, I am writing to formally dispute several inaccuracies on my credit report, which have adversely affected my credit score by XXXX points. The specific issues are as follows : 1. Collection Accounts with Inaccurate Dates and Amounts : The collection accounts in question have inconsistent and fluctuating dates of last activity, suggesting an improper extension of the statute of limitations. Additionally, the reported balances are incorrect. This practice not only misrepresents the status of these accounts but also artificially prolongs their presence on my credit report. 
XXXX. Incorrect Reporting of Medical Debt : Despite providing evidence of continuous health insurance coverage with Friday XXXX XXXX XXXX XXXXXXXX, a medical debt has been reported inaccurately. The reporting entity acknowledged my insurance coverage but failed to correct the erroneous debt entry. 
3. Unauthorized Hard Inquiries : My credit report lists five hard inquiries that I did not authorize. Upon contacting the companies responsible, I was informed that there is no record of my file, and despite sending dispute letters, no changes have been made. These unauthorized inquiries are unjustly impacting my credit score. 

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and complete information. I request the following actions : Immediate Deletion of Inaccurate Information : Remove the erroneous collection accounts, medical debt, and unauthorized hard inquiries from my credit report. 
Provision of Purchase Agreement : Supply the purchase agreement for the alleged debt being reported, as I have not received validation of this debt.

Investigation Details : Provide a comprehensive explanation of how these inaccuracies were investigated and the steps taken to verify the information.

Enclosed are copies of relevant documents supporting my dispute, including insurance records, correspondence with the reporting entities, and documentation of my communications regarding the unauthorized hard inquiries. I expect these matters to be addressed promptly to prevent further damage to my creditworthiness. 

Please confirm receipt of this dispute and inform me of the actions taken to resolve these issues. I anticipate your response within 30 days, as stipulated by the FCRA. 

Sincerely,

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit 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 non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Jennifer McCoy, PC
State: TN

Complaint narrative:
I have been harassed by the company for years at this point. I have expressed to the emotional trauma they are putting my through over my deceased husband as well. This information has already been removed off my credit report once. I was listed as the roommate on the agreement that my late husband had. We were not married at the time of this lease agreement. I never provided any paystubs, etc because they told me that I was not financially responsible for this lease. Supposedly a new lease was resigned via a website that I never agreed to. I did not know that a lease had been signed until after my husband passed away and I was trying to exit the property. I never signed or renewed any lease. This was done without my knowledge. I never provided any documentation about my job so how could I resign and they didnt even know if I had a job. This debt has already been removed from my credit report and they continue to harass me. I have already been through enough losing my husband and now theyre trying to get me to pay for a debt that I never agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter out on XX/XX/year> XXXX  case # XXXX to Equifax. However the credit bureau said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete this investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX, I was born on XX/XX/year>, my social is XXXX. I live on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, my phone number is XXXX, my email is XXXX. Please use my correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: SC

Complaint narrative:
year XXXX  I was contacted by discharged department of XXXX XXXX  for payment. I was confused because Id had already been current on my account. They requested that month XXXX payment plus XXXX additional payments for the upcoming months to prevent repossession. Huh, first I was current on my payments and never received a letter or calls regarding my account going into charge off department. I requested proof of letter warning me about this issue ( NEVER GOT IT ). I also requested the 1099A/B for my tax records ( NEVER GOT IT ). They threatened me every month until I paid full price on an unknown discharged account. XXXX XXXX  never reported my payments to the credit bureau but reported discharged closed case and thats not true. This company needs to be investigated for Auto loan violations process and why do XXXX have there own DISCHARGE department ( this needs eyes on it ) XXXX is ripping consumers off with the concept of discharging your account without notice of proof failed to send any requests by mail and via phone. Plus reporting false information towards the credit bureau to keep my credit score low and it impact my livelihood with trying to get another auto loan after paying off a unknown discharged vehicle. PLEASE, please investigate this company Im sure youll find other or more consumers theyve done this illegal process too. This has to STOP, and I want all my money back or remove the false item of discharge / closed case off my credit report. Yes I have proof of purchase and full title payment ( paid in full ).

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
year XXXX  I was contacted by discharged department of XXXX XXXX  for payment. I was confused because Id had already been current on my account. They requested that month XXXX payment plus XXXX additional payments for the upcoming months to prevent repossession. Huh, first I was current on my payments and never received a letter or calls regarding my account going into charge off department. I requested proof of letter warning me about this issue ( NEVER GOT IT ). I also requested the 1099A/B for my tax records ( NEVER GOT IT ). They threatened me every month until I paid full price on an unknown discharged account. XXXX XXXX  never reported my payments to the credit bureau but reported discharged closed case and thats not true. This company needs to be investigated for Auto loan violations process and why do XXXX have there own DISCHARGE department ( this needs eyes on it ) XXXX is ripping consumers off with the concept of discharging your account without notice of proof failed to send any requests by mail and via phone. Plus reporting false information towards the credit bureau to keep my credit score low and it impact my livelihood with trying to get another auto loan after paying off a unknown discharged vehicle. PLEASE, please investigate this company Im sure youll find other or more consumers theyve done this illegal process too. This has to STOP, and I want all my money back or remove the false item of discharge / closed case off my credit report. Yes I have proof of purchase and full title payment ( paid in full ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: SC

Complaint narrative:
year XXXX  I was contacted by discharged department of XXXX XXXX  for payment. I was confused because Id had already been current on my account. They requested that month XXXX payment plus XXXX additional payments for the upcoming months to prevent repossession. Huh, first I was current on my payments and never received a letter or calls regarding my account going into charge off department. I requested proof of letter warning me about this issue ( NEVER GOT IT ). I also requested the 1099A/B for my tax records ( NEVER GOT IT ). They threatened me every month until I paid full price on an unknown discharged account. XXXX XXXX  never reported my payments to the credit bureau but reported discharged closed case and thats not true. This company needs to be investigated for Auto loan violations process and why do XXXX have there own DISCHARGE department ( this needs eyes on it ) XXXX is ripping consumers off with the concept of discharging your account without notice of proof failed to send any requests by mail and via phone. Plus reporting false information towards the credit bureau to keep my credit score low and it impact my livelihood with trying to get another auto loan after paying off a unknown discharged vehicle. PLEASE, please investigate this company Im sure youll find other or more consumers theyve done this illegal process too. This has to STOP, and I want all my money back or remove the false item of discharge / closed case off my credit report. Yes I have proof of purchase and full title payment ( paid in full ).

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX I made a purchase on XXXX the purchase was fulfilled by XXXX XXXX. I was given the option to pay with affirm credit card in the amount of nearly {$500.00}. There were XXXX add on services included in the amount of {$500.00}. XXXX of the services was XXXX XXXX  and the other was XXXX XXXX XXXX coverage. My item was delivered on XX/XX/2024. A XXXX XXXX  was assigned to the task of assembling the item. It's unclear to me if the item was delivered damaged or if the XXXX XXXX  did not assemble it correctly and damaged it. When I arrived home I inspected the furniture and realized it was damaged. My item was also missing parts like bolts and screws that should have been installed when being assembled. I contacted all the companies involved. I wanted to return the item XXXX and XXXX XXXX gave me the run around through emails and phone calls until my return window expired. I also tried filing a claim with my all state insurance protection policy and was told my item was not covered. I filed numerous claims through XXXX XXXX and received the run around again through email and phone calls. I filed a dispute with affirm so I would not have to pay nearly XXXX dollars for a damaged piece of furniture I could not use. I gave all necessary documents and evidence to affirm they ruled in the favor of XXXX stating I'm responsible for all future payments because I did not return the furniture by the return window. I contacted my bank and explained the problem they put a block on re occurring charges from affirm. Affirm has not yet reported this to the credit bureau yet that's why I'm contacting this company. I have been receiving emails from affirm demanding payment and they state that they will report my delinquent charges to the credit bureau and that my credit score with be negatively affected. I dont want my credit score to be impacted but I also don't want to pay for the damaged item At this point I'm not sure what steps I need to take to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear CFPB Representative, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. These inquiries appear to be the result of the Equifax data breach and a lack of proper follow-up and verification by XXXX. I seek your assistance in addressing this matter and ensuring that my consumer rights are upheld. 

The specific details are as follows : Credit Reporting Agency Involved : XXXX Equifax Issue : Unauthorized hard inquiries related to the Equifax data breach Request : Removal of these inquiries from my credit report The Equifax data breach compromised sensitive personal information, leaving many consumers vulnerable to unauthorized actions, including unapproved credit inquiries. I believe the hard inquiries on my credit report are a direct result of this breach. Despite reaching out to XXXX to dispute these inquiries, I have not received adequate follow-up or resolution. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized items on my credit report and expect prompt investigation and correction. As part of this request, I am asking the CFPB to : Investigate the circumstances under which these hard inquiries were placed on my credit report. 

Require XXXX and Equifax to provide evidence of my authorization for each hard inquiry. 

Remove any inquiries for which authorization can not be verified. 

Attached to this letter, I have included documentation to support my claim, including : Identity theft report and I have documentation of me reaching out to both credit bureaus. 

I respectfully request that the CFPB ensure XXXX and Equifax complies with federal regulations to address this issue promptly. These hard inquiries negatively impact my credit score and financial well-being, and their removal is necessary to restore the accuracy of my credit report. 

Please confirm receipt of this dispute letter and provide updates on the status of your investigation. I am available to provide additional information or documentation as needed to assist in resolving this matter. 

Thank you for your attention to this issue. I trust that the CFPB will take the necessary steps to protect consumers and ensure a fair resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: IL

Complaint narrative:
Ive noticed that your company has inquiries on my credit report that I never gave permission for.

Company response to consumer: Closed with explanation