vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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 REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
Dear credit bureau, I am contacting you regarding complaint # XXXX. Experian was not able to provide proof or proper investigation for the accountXXXX XXXX XXXX XXXX  . It is well after the 30 day to provide said evidence, therefore the account is to be removed as it is now a violation of my FCRA rights. I didnt ask you to provide information from a data furnisher. You all have constantly submitted automated messages and a human is not reviewing or investigating. Thoroughly look through the documents and UPLOAD the documents in the CFPB portal that you have read. I will be seeking damages with an attorney/lawyer for Experian as you have constantly violated my rights and have refused to remove the account.

Again, Delete the account immediately for violating my FCRA rights as you can not provide proof. 

Account- 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 2025-02-20 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: MI

Complaint narrative:
To Whom It May Concern, I am writing in response to your correspondence regarding the inquiries that XXXX XXXX XXXX placed on my credit report. Your explanation cited a " permissible purpose '' under the Fair Credit Reporting Act ( FCRA ) ; however, I contest this claim based on the following legal grounds : 1. Violation of 15 U.S.C. 1681b Permissible Purpose According to 15 U.S.C. 1681b ( f ), a creditor may only access a consumers credit report if they have a legally permissible purpose, such as : In connection with a credit transaction initiated by the consumer. 

For the review or collection of an existing account. 

In response to a court order or federal grand jury subpoena. 

Your letter claims that an application was submitted through a third-party financial services website. However, you have failed to provide concrete evidence that I, as the consumer, personally authorized such an inquiry or initiated this transaction. 

2. Violation of 15 U.S.C. 1681e Reasonable Procedures Under 15 U.S.C. 1681e ( a ), you are required to maintain reasonable procedures to ensure that credit inquiries are made only for permissible purposes. The lack of verifiable authorization raises serious concerns about the adequacy of your procedures.

3. Failure to Provide Proper Validation Under 15 U.S.C. 1681g, I am entitled to a full disclosure of all information in my file, including the precise reason for your inquiry and the method used to verify the legitimacy of the transaction. You have not furnished : A signed contract or application that shows my explicit authorization.

Detailed information about the third-party website used, including the IP address, date, and time of the alleged application. 





Demand for Immediate Action Immediate Deletion of Unauthorized Inquiries If you can not provide verifiable proof of my authorization or initiation of the transaction, then these inquiries must be deleted from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ).

Full Documentation Provide complete documentation that proves the legitimacy of these inquiries, including : Copies of any application forms or agreements with my signature. 

Detailed logs showing how my personal information was obtained and verified. 

Review of Your Procedures Conduct an internal review of your processes to ensure compliance with 15 U.S.C. 1681e ( a ) and prevent unauthorized access in the future.

Notice of Escalation and Legal Action If you do not comply with the above demands within 15 days, I will : Pursue legal action for willful non-compliance under 15 U.S.C. 1681n and 15 U.S.C. 1681o, seeking damages for unauthorized credit inquiries and any resulting harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: MI

Complaint narrative:
To Whom It May Concern, I am writing in response to your correspondence regarding the inquiries that XXXX XXXX XXXX placed on my credit report. Your explanation cited a " permissible purpose '' under the Fair Credit Reporting Act ( FCRA ) ; however, I contest this claim based on the following legal grounds : 1. Violation of 15 U.S.C. 1681b Permissible Purpose According to 15 U.S.C. 1681b ( f ), a creditor may only access a consumers credit report if they have a legally permissible purpose, such as : In connection with a credit transaction initiated by the consumer. 

For the review or collection of an existing account. 

In response to a court order or federal grand jury subpoena. 

Your letter claims that an application was submitted through a third-party financial services website. However, you have failed to provide concrete evidence that I, as the consumer, personally authorized such an inquiry or initiated this transaction. 

2. Violation of 15 U.S.C. 1681e Reasonable Procedures Under 15 U.S.C. 1681e ( a ), you are required to maintain reasonable procedures to ensure that credit inquiries are made only for permissible purposes. The lack of verifiable authorization raises serious concerns about the adequacy of your procedures.

3. Failure to Provide Proper Validation Under 15 U.S.C. 1681g, I am entitled to a full disclosure of all information in my file, including the precise reason for your inquiry and the method used to verify the legitimacy of the transaction. You have not furnished : A signed contract or application that shows my explicit authorization.

Detailed information about the third-party website used, including the IP address, date, and time of the alleged application. 





Demand for Immediate Action Immediate Deletion of Unauthorized Inquiries If you can not provide verifiable proof of my authorization or initiation of the transaction, then these inquiries must be deleted from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ).

Full Documentation Provide complete documentation that proves the legitimacy of these inquiries, including : Copies of any application forms or agreements with my signature. 

Detailed logs showing how my personal information was obtained and verified. 

Review of Your Procedures Conduct an internal review of your processes to ensure compliance with 15 U.S.C. 1681e ( a ) and prevent unauthorized access in the future.

Notice of Escalation and Legal Action If you do not comply with the above demands within 15 days, I will : Pursue legal action for willful non-compliance under 15 U.S.C. 1681n and 15 U.S.C. 1681o, seeking damages for unauthorized credit inquiries and any resulting harm to my credit score.

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 2025-02-20 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: MD

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Based on the existing documentation provided, one can clearly see that the principal balance for my HELOC was fully paid off on XX/XX/XXXX, yet the supposedly-canceled autodraft still took out a full monthly interest payment ( {$790.00} ) on XX/XX/XXXX. This was then correctly applied to " Unapplied Balance. '' However, for reasons unknown to me, nearly XXXX months later ( and conveniently post-dated to XX/XX/XXXX, a day before I wrote myself a check for {$2000.00}, the amount of the Unapplied Balance ), Shellpoint decided that the incorrectly taken interest on a loan with no balance was owed. Shellpoint then debited that {$790.00} from my unapplied balance when I wrote myself the aforementioned check on XX/XX/XXXX. As a result, Shellpoint claimed I took too much out -- by {$790.00}, the interest payment that was debited for no reason -- and has been charging me interest on it since. Further, it actually appears that Shellpoint " fixed '' the error XXXX days later ( on XX/XX/XXXX ) by crediting the interest amount, but this was never actually credited anywhere. 


Additionally, over the past few months, I've waited a substantial amount of time for any communication or resolution, as Shellpoint continually claimed that the issue was " complicated, '' and asked for additional time to investigate. All the while, charging interest on an amount that was not actually a valid debt, ultimately providing the highly suspect history of my account 's payments ( attached ). Not only is it very difficult to actually follow what they're doing, but common sense shows that the credits and debits do not add up to what they claim I owe.

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 2025-02-20 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX XXXX a resident of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately.

Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address. o A copy of my Social Security Number. 4. Affirmation : I declare under penal
ty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-02-20 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
XXXX. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-02-20 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: D2 Management LLC
State: MI

Complaint narrative:
On XX/XX/year>, I received a call from a company representative claiming that I owed a debt to XXXX XXXX XXXX XXXX  or something of the sort. I informed the representative that I didn't owe such a debt and to provided verification that I in fact did. I also demanded that in accordance with the FDCP Act the company Cease and Desist from contacting me further. The representative stated that they would not that the debt was owed by me and that I had to pay it or they were going to sue me. Again, I told the representative that I was rescinding any permission I had given them to contact me and to Cease and Desist from doing so immediately.

Company response to consumer: Closed with explanation