vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-13 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2025-01-13 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
ACCORDING TO ALERTS I RECEIVED IN XX/XX/year> SOMEONE HAS TRIED TO OBTAIN CREDIT FROM THE FOLLOWING CREDITORS : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/year> ( XXXX ) XXXX XXXX XXXX - XX/XX/year> ( XXXX ) XXXX XXXX XXXX  - XXXX XXXX, XXXX  and ( XXXX ) XXXX  - XXXX XXXX and XX/XX/year> BY WAY OF FRAUD and IDENTITY THEFT. WHEN I GOT THESE ALERTS IMMEDIATELY I REGISTERED AND SIGNED UP WITH XXXX TO PROTECT MY CREDIT. I DID NOT APPLY FOR ANY CREDIT WITH ANY OF THESE CREDITORS NAMED ( LISTED ABOVE ). I DID NOT HAVE KNOWLEDGE NOR DID I CONSENT TO SOMEONE APPLYING FOR CREDIT IN NAME AS IT WAS DONE SO FRAUDULENTLY AND WITH THE SOLE INTENTION OF IDENTITY THEFT! 

I HAVE TRIED A FEW TIMES TO CONTACT EXPERIAN AND WAS UNABLE TO SPEAK WITH ANYONE BECAUSE OF AUTOMATION AND BEING DISCONNECTED. 

I HAVE ALSO FILE COMPLAINTS WITH THE FTC DISPUTING CREDIT INQUIRIES WITH WHICH INVOLVES XXXX and XXXX. THEREFORE I HAVE DECIDED THAT SINCE I COULD NOT GET IN CONTACT WITH AN REPRESENTATIVE FOR EXPERIAN I WOULD JUST FILE A COMPLAINT WITH THE FTC REQUESTING YOUR ASSISTANCE IN HAVING THESE 4 INQUIRES REMOVED FROM MY CREDIT REPORT WHICH INVOLVES EXPERIAN AS SOON AS IT MAY BE 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 explanation
Consumer complaint received 2025-01-13 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: OH

Complaint narrative:
In reviewing my account I noticed that the information that is listed on my credit reports is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is one industry where mistakes can cost the bearer extreme harm and distress. I request that the correct information be updated in the following fields : Payment History, Last Reported Date, Date Last Active, Date of Last Payment. 

Additionally there are several late payment indicators listed, which make no sense as to the best of my knowledge all payments have been submitted on time. The following reporting periods need to be corrected as paid on time and the late payment indicators removed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, specifically 15 USC 1681e ( b ).

This dispute will serve as notice of the inaccurate information that is on my credit reports for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below : XXXX XXXX : Account # XXXX I have attached a copy of my ID and billing statement for verification purposes.

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 2025-01-13 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

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 2025-01-13 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: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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 2025-01-13 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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 2025-01-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2025-01-13 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:
Incorrect account information on Experian. 
XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- Incorrect inquiry information on Experian. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX Incorrect personal information on XXXX. 
XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, VA XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
Around XXXX of 2024, my credit limit was decreased from {$9000.00} to {$7600.00}. The difference created an overage I was not able to handle at the time. I did not know the bank did this since it is not in their disclosure. I called the bank to rectify the issue and to create a payment plan, the best I can do is continue the my monthly payment as regularly scheduled. Unfortunately, the bank also charged an over limit fee which ate my payments and prolonged the situation. The bank stated that they mailed collection letters which I couldn't get becuase I was forced to move. I did pay the account down until I noticed that the account was in closed status. I checked their " SecureMessage Center '' and saw no correspondence that there was any issue and their dashboard displayed what my minimum payment should be and I have been meeting or exceeding it the amount. I called the bank this morning and they refused to work with me let alone reopen the account. They did see in their notes the conversation I had with their representative back in XXXX about the overage issue and how I can resolve it.

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 monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: FL

Complaint narrative:
This is about complaint XXXX. 
In would like to express my frustration and concern regarding your mishandling of my account, which has resulted in significant harm to my credit profile. Your response to my CFPB complaint has highlighted serious failings in your communication process. 
All the documentation you attached was sent to my previous address, even though it is clear that you have my current address, as shown in the letter dated XX/XX/year>, included in your response. This demonstrates that you failed to contact me properly regarding the alleged balance of {$540.00} and subsequent actions taken on my account. 
Your inability to notify me at my correct address has caused : A denial of my right to dispute or resolve the alleged balance in a timely manner. 
An unwarranted charge-off applied to my account, damaging my credit profile. 
A violation of consumer protection standards that require accurate and timely communication. 
As the original creditor, VW Credit holds the responsibility to ensure accurate reporting and fair treatment of its customers. The lack of proper notification prior to the charge-off reflects a severe lapse in your duty to communicate effectively. 
This issue has caused undue stress, financial harm, and damage to my reputation. To resolve this matter fairly, I demand the following actions : Immediate removal of the charge-off from my credit file. 
Coordination with any collection agency involved to ensure the debt is resolved and deleted from all credit reports. 
A formal acknowledgment of your failure to notify me properly and the corrective measures being taken. 
This matter has already been escalated through the CFPB, XXXX, and other credit bureaus. Failure to resolve this issue will lead to further action, including additional complaints to regulatory bodies and potential legal avenues. 
I expect a detailed written response outlining the corrective actions VW Credit is taking to address this situation. Anything short of full resolution, including the removal of this charge-off, will be unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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 dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Tried to temporarily lift a credit freeze from Experian. After creating an online account, it stated there was an issue in verifying my identify and to contact a phone number for support. The support line provides no way of actually addressing the issue, only referring you back to the website which I already tried. Every time I asked the automated line to speak to a representative, it said it was not allowed to and hung up on me. The only other alternative was to submit documentation by mail but that is far too timely for this matter. Experian is fraudulent and offers NO CUSTOMER SERVICE.

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 2025-01-13 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: Self Financial Inc.
State: TX

Complaint narrative:
There are several loans on my credit report that I believe came from the data breech by XXXX XXXX. These are fraud : XXXX ) XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ) XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX I did not create any of these accounts and need help in getting this stuff off of my credit report so I can get my life back together.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-13 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: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-01-13 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: MI

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company response to consumer: Closed with explanation