vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I have requested a 1099-c for this debt and have yet to receive it from westlake financial XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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:
According to Section 605B of the Fair Credit Reporting Act gives the consumer the right to request that credit reporting agencies to block the reporting of information that was the result of identity theft.

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 2025-01-11 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: TX

Complaint narrative:
According to Section 605B of the Fair Credit Reporting Act gives the consumer the right to request that credit reporting agencies to block the reporting of information that was the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
Subject : Formal Complaint Against Experian for Inaccurate Reporting of Paid Accounts Dear CFPB, I am submitting a formal complaint against Experian Information Solutions , Inc., regarding the inaccurate handling and reporting of multiple paid accounts on my Experian credit report.Experians failure to reflect the accurate status of these accounts is a clear violation of the FairCredit Reporting Act ( FCRA ) and consistent with the issues outlined in the CFPBs recent complaint against Experian ( Case No. 8:25-cv-24 ). 
Accounts in Question 1. XXXX Account XXXX : XXXX Original Balance : {$7400.00} Status : Paid in full 2. XXXX  XXXX XXXX Account Number : XXXX Original Balance : {$0.00} Status : Paid in full XXXX. XXXX Account Number : XXXX Original Balance : {$39.00} Status : Paid in full 4. XXXX XXXX Account Number : XXXX Original Balance : {$14000.00} Status : Paid in full 5. XXXX XXXX XXXX Account Number : XXXX Original Balance : {$24000.00} Status : Paid in full 6. XXXX Account Number : XXXX XXXX XXXX : {$200.00} Status : Paid in full 7. XXXX XXXX Account Number : XXXX Original Balance : {$27000.00} Status : Paid in full Issues Experian has inaccurately reported these accounts despite their fully paid status. This violates : 1. FCRA, 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy.

2. The CFPBs findings that Experian fails to adequately investigate disputes or properly notify consumers of results ( 3349 and 6481 of the CFPB complaint ).

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 2025-01-11 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: GA

Complaint narrative:
Subject : Formal Complaint Against Experian for Inaccurate Reporting of Paid Accounts Dear CFPB, I am submitting a formal complaint against Experian Information Solutions , Inc., regarding the inaccurate handling and reporting of multiple paid accounts on my Experian credit report.Experians failure to reflect the accurate status of these accounts is a clear violation of the FairCredit Reporting Act ( FCRA ) and consistent with the issues outlined in the CFPBs recent complaint against Experian ( Case No. 8:25-cv-24 ). 
Accounts in Question 1. XXXX Account Number : XXXXXXXX  Original Balance : {$7400.00} Status : Paid in full 2. XXXX  XXXX XXXX Account Number : XXXX Original Balance : {$0.00} Status : Paid in full 3. XXXX Account Number : XXXX Original Balance : {$39.00} Status : Paid in full 4. XXXX XXXX Account Number : XXXX Original Balance : {$14000.00} Status : Paid in full 5. XXXX XXXX XXXX Account Number : XXXX Original Balance : {$24000.00} Status : Paid in full 6. XXXX Account Number : XXXX Original Balance : {$200.00} Status : Paid in full 7. XXXX XXXX Account Number : XXXX Original Balance : {$27000.00} Status : Paid in full Issues Experian has inaccurately reported these accounts despite their fully paid status. This violates : 1. FCRA, 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy.

2. The CFPBs findings that Experian fails to adequately investigate disputes or properly notify consumers of results ( 3349 and 6481 of the CFPB complaint ).

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 2025-01-11 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: FL

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2025-01-11 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: PA

Complaint narrative:
After learning that my information was leaked in Equifax 's data breach I combed over my reports and found several accounts that I XXXX XXXX, did not authorize to be open nor listed on my consumer report. I have reached out to XXXX, Equifax, XXXX and listed companies to inform them all that they are in violation of the FRCA in many ways. My right to privacy and having a report 100 % free of inaccuracies is a law not an option. I am tried of the credit bureaus claiming said accounts have been verified and when I ask for proof I hear back nothing. when I called and asked for proof I was told " we don't send these documents ''. This is a crime! I am a victim and If I can't resolve this issue I will have to make this a legal matter. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: WI

Complaint narrative:
I initiated a complaint against Transunion on XXXX for improper use of my credit report ( XXXX XXXX ). I requested to have a bankruptcy removed from my Transunion credit report as a fair remedy, but instead I received an email from TransUnion via encrypted portal claiming I made a request to have place a freez on my Transunion credit report when I did not.

It displayed the following : File Number : XXXX Date Issued : XX/XX/year> We appreciate you taking the time to contact us at TransUnion. Our goal is to maintain complete and accurate credit information. It's our commitment to you.

Re : Credit Freeze Added We received your credit freeze request and a freeze is now in place on your TransUnion credit report. It will stay in place until you request its removal. 

If you would like to temporarily lift or remove your freeze, simply go to XXXX  where you can find more information. You can also call us at XXXX. You will be asked a series of questions to confirm your identity before making any changes. 

I called to complain and I did record the conversation. The agent stated that although I did not request the freeze, they placed the freeze on my TransUnion Credit report. I did demand that the freeze be removed and for TransUnion to honor my request by removing the bankruptcy from my report and follow the federal consumer 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 non-monetary relief
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
I am writing regarding the alleged debt ( s ) appearing on my consumer report as a " charge-off. '' This communication serves as both a formal dispute under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) and a request for compliance under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). If there are additional account details you believe pertain to this matter, I request that you provide those as well, as part of your obligation under 15 U.S.C. 1692g.

Pursuant to 15 U.S.C. 1692g, I dispute the validity of this alleged debt and demand verification. Please provide : XXXX. Proof of the original creditors claim, including a full accounting of the debt 's origin, itemized charges, fees, and dates of transactions. 
XXXX. Evidence of your legal authority to collect this debt, including an unbroken chain of assignment or sale of the debt. 
XXXX. Documentation of my liability, specifically a signed contract or agreement demonstrating my consent to the debt and its terms. 
Until you can validate this debt with the required documentation, you are prohibited from any further collection activities, including reporting this debt to consumer reporting agencies, under 15 U.S.C. 1692g ( b ).

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 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting that this collection and all negative items such as old outdated addresses and collections be removed and deleted as I have no knowledge of this account and am a victim of identity theft and requesting that all information is updated to my present information to resolve my complaint. 




this collection can not validate a monthly payment therefore they can not collect a debt thats not validated. I do not own this debt. 

Address ID number : 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 2025-01-11 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Information Dear Equifax Dispute Resolution Team, I am writing to formally Correct/Update inaccurate information reported on my credit report which I obtained through your services. The disputed information relates to the credit utilization of my XXXX XXXX XXXX  Your report inaccurately reflects a balance of {$17.00} and a utilization rate of 9 %. However, my account from XXXX XXXXXXXX XXXX clearly indicates a balance of {$0.00} with an available credit of {$200.00}. This discrepancy is evident in the attached documents, which include : XXXX. A screenshot of the inaccurate information from your credit report. 


XXXX. My account statement from XXXX XXXXXXXX XXXX verifying the correct account balance. 



I request that you promptly investigate this matter and correct the inaccurate information on my credit file. Once the correction is made, I will gladly withdraw the complaints I have filed with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies regarding this issue. 

Please confirm in writing that the requested correction has been made or provide an explanation if further action is required. I kindly request your prompt attention to this matter, as it directly impacts my creditworthiness. 

Thank you for your cooperation. If you require any additional information or documentation to resolve this dispute, please do not hesitate to contact me. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: OH

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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-11 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have XXXX inquiries on my transunion credit report I have disputed them but they are still on the report. Someone had my credit pulled XXXX times in 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I have XXXX inquiries on my transunion credit report I have disputed them but they are still on the report. Someone had my credit pulled XXXX times in 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: American Coradius International LLC
State: NY

Complaint narrative:
Identity theft. Someone use my social security number to open a unauthorized business account in my name. And borrow XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed fraudulent accounts and inquires : XXXX XXXX - XXXX XXXX - XXXX XXXX - {$370.00} XXXX XXXX - XX/XX/year>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 2025-01-11 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed fraudulent accounts and inquires : XXXX XXXX - XXXX XXXX - XXXX XXXX - {$370.00} XXXX XXXX  - XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Century Finance, Inc.
State: NC

Complaint narrative:
I had contacted the financial company before ahead of time about my motorcycle accident. Informing them that I was XXXX XXXX, heavy on pain meds. Contacted the financial company about motorcycle accident i have got involved in and about my financial dilemma. I was not advised that I had other options that would help me not have a late payment or any adverse credit history. What i was told was that I was fine with my payment because i always had a good history of on time payments. Which soon got turned around once my payment got missed because of my motorcycle accident and was currently unable to pay at the time. The financial company gave me a late payment with the late fees. After the company illegally submit my private information to any of the following credit bureaus. I never signed any document that allowed them to report my private information without my knowledge or at all. The co-signer contacted the financial loan account supervisor. That they had a procedure to move my payment date and that I was eligible for that. But was not advised of that for the entire 30 days. The statement of why I wasnt given that option was Its not theyre responsibility to tell me what I can and can not do with my account when that was never told in the call or during the purchase of the motorcycle. Was not an option discussed or given at all at the time as well. And when it was needed it wasnt told to me at the date and time of me letting them know I was incapacitated before my payment was due! And they are a financial company that help people rebuild or establish their credit! So lacking the grace and what they stand on for their mission and their policy! to give me that credit counseling! Caused not only me to have a negative illegal report! Also illegally reported on my cosigner credit! My cosigner did not sign any lease to report any of her private information to any credit bureaus! Doing this has forced my cosigner to pay off the motorcycle entirely because of their fraudulent activities! Once again this was illegally reported without my knowledge and written consent!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have attempted to open an Chase Bank application online on 2 occassions over the time period of 6 months. I have been denied without reason. I ordered my Consumers report to make sure nothing was on my report that I was unaware of but upon receiving my report nothing was listed that was alarming. I need help with this issue. I do have a fraud alert on my account from years ago but I requested for call verification to verify any transactions involving my credit. I have not received a call confirmation of any kind. I would like this inconvenience of being denied to be resolved. Please let me know how I can assist in this matter. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed several things on my credit with Experian and they didnt properly investigate the dispute. I also reported identity theft on a couple of charges. I have on my account because I was a victim of identity theft they did not properly look into it and its still on my credit report Date reported XXXX XXXX XXXX XXXX Amount : XXXXXXXX XXXX XXXX XXXXXXXX Original creditor {$870.00} Open balance

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