vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : GA XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2024-05-17 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:
The XXXX entry currently displayed on my credit report is inaccurately depicted. The case labeled as valid and precise is, in reality, incorrect. No trial or judgment has been associated with this case. Without a proper judgment, there can not exist a valid case. 

It is imperative that you promptly eliminate this account from my credit file. The XXXX XXXX XXXX case with the number XXXX must be expunged immediately as it is fraudulent. Failure to address this issue and persist in reporting inaccurate information will compel me to pursue legal recourse. I have sought advice from my legal counsel, and if this matter remains unresolved within XXXX days of this correspondence, legal proceedings will be initiated.

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 2024-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX is engaged in securities fraud. As the issuer of the note which is the contract they did not disclose it was the collateral which would be used to sell for profits. The notes are pooled together and sold on the market to raise capital for the business and its shareholders. By their own prospectus that they submitted to the sec it outlines their business practices and how the note transaction works. 

XXXX XXXX XXXX XXXX XXXX is the issuer of the contract which is the note then the note is deposited with XXXX XXXX XXXX XXXX XXXX. Citibank N.A. is the owner trustee and XXXX XXXX XXXX. both had a fiduciary duty to ensure I was paid for my investment. Not only has XXXX continued to sell the security but they also repossessed the vehicle and sold it for profits. This is type of behavior is criminal and XXXX could also be civilly liable for any damages that may arise. 

XXXX continues to allege I owe them a debt which is NOT true they issued an unconscionable contract knowing it was XXXX sided and they would only benefit from me. Even with my repeated attempts to rectify this issue they continue to violate federal laws put in place to govern publicly traded companies. A complaint to the SEC and XXXX about this matter is warranted since XXXX refuses to follow the trading laws.

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 2024-05-17 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-17 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: MI

Complaint narrative:
Dear transunion, I am unaware of these accounts I believe this to be fraudulent and I would like this to be removed. Thank you. 


XXXX XXXX  : Acct # : XXXX : Amount : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXX : Amount : {$0.00} XXXX XXXX XXXX XXXX XXXX : Acct # : XXXX : Amount : {$0.00}

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Request for Assistance with Charge Offs on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Iowa XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to bring to your attention and seek assistance regarding charge offs that appear on my credit report. I have recently reviewed my credit report and discovered that there are multiple charge offs listed, which are negatively impacting my credit score and financial well-being.

The charge offs in question have significantly affected my ability to secure favorable interest rates on loans, obtain new lines of credit, and even impact my employment opportunities. I believe that these charge offs may have been reported inaccurately or unfairly, and I am seeking your assistance in addressing this matter. 

I have taken steps to resolve these charge offs with the respective creditors, and I have made efforts to negotiate settlements or payment arrangements. However, despite my efforts, these charge offs continue to appear on my credit report, causing ongoing financial distress. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and work with the credit reporting agencies to ensure that any inaccuracies or unfair reporting regarding these charge offs are corrected promptly. I am willing to provide any additional information or documentation that may be required to support this investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( is still. An open account that Is closed I understand the importance of maintaining accurate credit reports and the impact it has on individuals ' financial well-being according to the Fair Credit Reporting Act ( FCRA ) and PURSUANT with 15 USC 1681N I am hopeful that with your intervention, we can resolve this matter and ensure that my credit report accurately reflects my financial history. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in this regard. 

Sincerely, 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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Request for Assistance with Charge Offs on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX Iowa XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to bring to your attention and seek assistance regarding charge offs that appear on my credit report. I have recently reviewed my credit report and discovered that there are multiple charge offs listed, which are negatively impacting my credit score and financial well-being. 

The charge offs in question have significantly affected my ability to secure favorable interest rates on loans, obtain new lines of credit, and even impact my employment opportunities. I believe that these charge offs may have been reported inaccurately or unfairly, and I am seeking your assistance in addressing this matter. 

I have taken steps to resolve these charge offs with the respective creditors, and I have made efforts to negotiate settlements or payment arrangements. However, despite my efforts, these charge offs continue to appear on my credit report, causing ongoing financial distress. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and work with the credit reporting agencies to ensure that any inaccuracies or unfair reporting regarding these charge offs are corrected promptly. I am willing to provide any additional information or documentation that may be required to support this investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( is still. An open account that Is closed I understand the importance of maintaining accurate credit reports and the impact it has on individuals ' financial well-being according to the Fair Credit Reporting Act ( FCRA ) and PURSUANT with 15 USC 1681N I am hopeful that with your intervention, we can resolve this matter and ensure that my credit report accurately reflects my financial history. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in this regard. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: RI

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Unsatisfactory results from investigation categorically! 

XXXX Dispute # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: CA

Complaint narrative:
This serves as my final communication to your non-compliant company before taking legal action against all involved parties. It's important to note that making threats of legal action without actual intent to follow through is unlawful. Rest assured, I fully intend to pursue legal recourse to safeguard my consumer rights. 

I have previously sent numerous letters to your company requesting an investigation into several inquiries that I believe are inaccurately reported. Ignoring my requests constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which I will not tolerate. Should you prefer to resolve this matter directly rather than facing litigation, I will reiterate the inquiries in question for your review, as mandated by the FCRA. 
Despite my efforts to contact these companies independently, I have encountered significant obstacles. Many of the phone numbers provided on my credit report are incorrect, hindering my attempts to reach out. Furthermore, the companies I managed to contact have no record of me whatsoever. How, then, can they justify a permissible business purpose for pulling my credit if they have no record of my existence? Please investigate the following : XXXX XX/XX/year> and XXXX XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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 want to emphasize that I am fully aware of the legal implications of threatening legal action without intent, and I want to make it clear that I am entirely serious about pursuing a lawsuit against your company. Despite multiple requests from me to investigate and rectify all inaccuracies on my personal credit profile, you have consistently failed to take action. It is my understanding that under the law, you are obligated to honor each and every request to investigate incorrect information, yet you have disregarded all of my previous appeals. 

As I've previously stated, this is my final plea for you to fulfill your obligations under the FCRA. If this final request fails to prompt a proper investigation into the accounts in question, I will have no choice but to file a lawsuit against your company in the county where I reside. This will necessitate your presence here to defend yourselves. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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 am writing to express my deep concern and dissatisfaction regarding the handling of this attempt to remove fraudulent items. It is imperative to address this matter promptly and comprehensively to uphold the integrity and fairness of the process. Despite repeated attempts to remove fraudulent items, I am deeply troubled by the outcome of this multiple attempt. The persistence of these fraudulent items not only undermines the credibility of the process but also raises serious questions about the The failure to effectively address these issues casts doubt on the reliability of the process and erodes trust among participants. 

It is imperative to implement corrective measures urgently to enhance the effectiveness of future attempts and prevent the recurrence of similar issues. In conclusion, I trust that you will give due consideration to this matter and take decisive action to rectify the shortcomings observed during the 4th attempt to remove fraudulent items. With this, I am asking for your assistance to remove the fraudulent items : 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 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 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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXXXXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-05-17 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:
Dear XXXX, I am unaware of these accounts I believe this to be fraudulent and I would like this to be removed. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: MI

Complaint narrative:
Dear XXXX, I am unaware of these accounts I believe this to be fraudulent and I would like this to be removed. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: CA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury. This has caused defamation of character, which violates the fair debt collection practice act. I am not able to find a job or apply for credit under this crisis and your company has hurt my ability to obtain credit Under the law 15 U.S.C 1681 ( b ). You are also in violation of law 15 USC 1692 ( f ) ( g ). You are violating my rights. On XX/XX/year> I sent a debt validation letter to XXXXXXXX XXXX as well as TransUnion, XXXX, and XXXX. I didn't receive a response back from XXXXXXXX XXXX and the credit bureaus.

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 2024-05-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury. This has caused defamation of character, which violates the fair debt collection practice act. I am not able to find a job or apply for credit under this crisis and your company has hurt my ability to obtain credit Under the law 15 U.S.C 1681 ( b ). You are also in violation of law 15 USC 1692 ( f ) ( g ). You are violating my rights. On XX/XX/year> I sent a debt validation letter to XXXX XXXX as well as XXXX, Equifax, and XXXX. I didn't receive a response back from XXXXXXXX XXXX  and the credit bureaus.

Company response to consumer: Closed with non-monetary relief