vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of XXXX  XXXX  of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-02-04 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: CA

Complaint narrative:
CEAST AND DESIST OF REPORTING UNAUTHORIZED FRAUD ACCOUNTS Personal Statement ATTN EXPERIAN EQUIFAX TRANSUNION ACCORDANCE TO USC 6801ab1234, USC 1681ga1b23abc456cde7,9,10,11,12 USC 6802, USC 1681g, USC 6803 USC 1681s2 | never gave written consent to these creditors or Experian Equifax TransUnion to furnish these fraudulent accounts to my consumer reports the ACCTS READ 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 XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE UNAUTHORIZED FRAUD ACCTS FROM MY CONSUMER REPORTS THIS IS A CLEAR VIOLATION OF THE LAW AND IMPROPER USE OF MY IDENTITY AND ( GAAP ) U HAVE THE RESPONSINITY TO REPORT ACCURATE INFORMATION STUDENT LOAN REHAB USC 1681AB2 XXXX SIRS MAAMS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
CEAST AND DESIST OF REPORTING UNAUTHORIZED FRAUD ACCOUNTS Personal Statement ATTN EXPERIAN EQUIFAX TRANSUNION ACCORDANCE TO USC 6801ab1234, USC 1681ga1b23abc456cde7,9,10,11,12 USC 6802, USC 1681g, USC 6803 USC 1681s2 | never gave written consent to these creditors or Experian Equifax TransUnion to furnish these fraudulent accounts to my consumer reports the ACCTS READ 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 XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE UNAUTHORIZED FRAUD ACCTS FROM MY CONSUMER REPORTS THIS IS A CLEAR VIOLATION OF THE LAW AND IMPROPER USE OF MY IDENTITY AND ( GAAP ) U HAVE THE RESPONSINITY TO REPORT ACCURATE INFORMATION STUDENT LOAN REHAB USC 1681AB2 XXXX SIRS MAAMS

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 2025-02-04 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION FACTUAL DATA XX/XX/XXXX has violated my rights. 

EQUIFAX FCTUALDATA XX/XX/XXXX has violated my rights. 

EXPERIAN FACTUAL DATA XX/XX/XXXX has violated my rights. 

I looked at my transunion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 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 of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION FACTUAL DATA XX/XX/XXXX has violated my rights. 

EQUIFAX FCTUALDATA XX/XX/XXXX has violated my rights. 

EXPERIAN FACTUAL DATA XX/XX/XXXX has violated my rights. 

I looked at my transunion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 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 of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any 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 explanation
Consumer complaint received 2025-02-04 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: KS

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-02-04 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: GA

Complaint narrative:
Complainant : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Subject : Formal Complaint Against Equifax for Non-Compliance with FCRA and CFPB XXXX XXXX Dear Consumer Financial Protection Bureau XXXX I am filing this formal complaint against Equifax Information Services LLC for their failure to conduct a proper investigation regarding disputed items on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. Despite submitting a formal dispute on XX/XX/XXXX, and providing clear documentation of reporting inaccuracies, Equifax has failed to take any corrective action. 

Background of the Dispute On XX/XX/XXXX, I submitted a formal dispute to Equifax, citing multiple inaccuracies on my credit report. I specifically requested verification or deletion of the following accounts due to inconsistencies, errors, and non-compliance with FCRA and IRS XXXX charge-off reporting requirements : XXXX XXXX ( Account Ending in XXXX ) XXXX XXXX ( Account Ending in XXXX ) XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ) XXXX XXXX XXXX ( Account Ending in XXXX ) XXXX XXXX  ( Account Ending in XXXX ) XXXX XXXX XXXX ( Account Ending in XXXX ) XXXX XXXX XXXX ( Account Ending XXXX XXXX ) XXXX XXXX XXXX ( Account Ending in XXXX and others on file ) Despite the XXXX timeframe required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax failed to conduct a meaningful reinvestigation. Instead, they responded with a generic statement affirming the accuracy of the disputed information without providing supporting documentation or a clear methodology used in their investigation. Additionally, my updated Equifax credit report from XX/XX/XXXX shows that no changes were made, proving their failure to act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I am writing to formally request the cancellation of the timeshare agreement I entered into with XXXX XXXX XXXX in XX/XX/year>. The contract was signed under false pretenses, and there were unethical and misleading sales tactics used during the presentation, which I believe violate consumer protection laws. 

Date of agreement signing : XX/XX/year> Debt : {$16000.00} I wrote letters XXXX XXXX XXXX XXXX XXXX Monterey Collection Svc stating the Issue and Grounds for Cancellation. 

1. Aggressive Sales Tactics : During the presentation, we were subjected to aggressive sales tactics for over an hour, with no regard for our wishes to leave. Four different representatives came to speak with us, creating pressure and making us feel as though we had no other option but to sign the contract in order to leave. 


XXXX. Misleading and False Statements : After signing the documents, the representative claimed that the contract would be null and void because of my sister 's marital status, stating that the agreement could only be valid with her husbands consent. The representative also said that my travel agency would conflict with XXXX XXXX XXXX 's policies, further suggesting that the agreement should be canceled. Despite these promises, we have since learned that our agreement was never voided, and it has been reported to a collection agency. 


3. Lack of Transparency and Unethical Practices : The entire process felt manipulative, and it is clear now that we were misled. We were forced to sign the documents to return to our resort, and the companys lack of transparency has resulted in the current issue with Monterey Collection Services, which is reporting this contract on our credit profiles.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
Experian, Equifax and transunion did not properly investigate 15 USC 1681i ( a ) 6 ( B ) 3 these accounts never got properly investigated also 15 USC 1681i ( a ) 1 says they have 30 days to respond and its been 78 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove these accounts they aren't mines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
Experian, Equifax and transunion did not properly investigate 15 USC 1681i ( a ) 6 ( B ) 3 these accounts never got properly investigated also 15 USC 1681i ( a ) 1 says they have 30 days to respond and its been 78 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove these accounts they aren't mines.

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 2025-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Line Financial, PBC
State: TX

Complaint narrative:
Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX # # RE : Complaint Against Line Financial PBC ( dba Beem ) - Predatory Lending and Unauthorized Charges To Whom It May Concern : I am writing to file a formal complaint against Line Financial PBC, doing business as " Beem, '' for predatory lending practices, unauthorized charges, and deceptive business practices.

# # Background I previously had an account with a company called " Line '' in XX/XX/XXXX. In XX/XX/XXXX, upon downloading the Beem app, I discovered that I purportedly owe {$420.00} in past due charges, consisting of : - {$360.00} for " past months '' charges ( XX/XX/XXXX - XX/XX/XXXX ) - {$30.00} in late fees ( XX/XX/XXXX - XX/XX/XXXX ) - {$22.00} in " Everdraft '' charges from XX/XX/XXXX - {$12.00} for current month ( XX/XX/XXXX - XX/XX/XXXX ) # # Grounds for Complaint XXXX. Unauthorized Subscription Charges** The company has been charging subscription fees from XX/XX/XXXX to XX/XX/XXXX without my knowledge, consent, or use of their services. I was never notified of : - The transition from XXXX to XXXX  - The automatic enrollment in their subscription service - Any pending or past due charges **2. Lack of Transparency and Customer Service** Upon discovering these charges, I attempted to contact their customer service for clarification. However, they were unable or unwilling to provide : - Documentation of the original agreement - Proof of service usage - Explanation of charges - Record of payment attempts or notifications **3. Predatory Business Practices** The company 's conduct demonstrates predatory behavior : - Continuing to charge subscription fees for nearly 3 years without service usage - Accumulating fees without adequate notification - Failing to terminate inactive subscriptions - Converting accounts without explicit customer consent # # Requested Actions 1. Immediate cessation of all collection attempts 2. Full reversal of all charges ( {$420.00} ) 3. Investigation into Beem 's business practices 4. Regulatory action to prevent similar predatory practices 5. Review of their acquisition and account conversion practices # # Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX Primary Phone : ( XXXX ) XXXX Alternative Phone : ( XXXX ) XXXX Email : XXXX # # Legal Basis This complaint is filed under : - The Consumer Financial Protection Act - The Electronic Fund Transfer Act - The Truth in Lending Act - State consumer protection laws I hereby certify that all information provided in this complaint is true and accurate to the best of my knowledge. I request that the CFPB investigate these practices and take appropriate regulatory action to protect consumers from such predatory business practices. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
I have a XXXX XXXX XXXX XXXX listed on my credit report, that i do not recognize, that i did not apply for without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: MO

Complaint narrative:
Hard inquiries : XXXX XXXX-Feb. XXXX, XXXX  Bank Of 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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX of XXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-02-04 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: NC

Complaint narrative:
Ive 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 2025-02-04 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: MO

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 2025-02-04 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: LA

Complaint narrative:
Experian will not update my XXXX account. XXXX contacted Experian on XX/XX/year> to inform them of the new balance. As of XX/XX/year>, the balance is {$XXXX}. I called XXXX and they specifically stated that they sent notice to Experian. Then, on XX/XX/XXXX, I opened a dispute with Experian and uploaded the proof. They are showing a balance owed in the amount of {$XXXX}. This is incorrect. They did not update this info and they have closed the dispute. Please escalate this matter as soon as possible. This is preventing me from being financed for a new car.

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 2025-02-04 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: CA

Complaint narrative:
I am so exhausted I've been trying to correct things with Equifax but it's no response no reply nothing! I sent so many letters certified and I still get no response. please help me pursuant to 15 USC 1681i ( a ) 1 they are required to respond within 30 days or the items shall be removed. pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 they aren't properly investigating these accounts. please help me as these aren't my accounts XXXX XXXX XXXX {$XXXX} XXXX XXXX XXXX {$XXXX} XXXX bank {$XXXX} XXXX  XXXX {$XXXX} XXXX XXXX XXXX XXXX XX/XX/year> {$XXXX}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: AZ

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX - XXXX - {$XXXX} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution 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 explanation