vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: VA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
EQUIFAX, I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Provide Physical Verification XXXX XXXX Unverified Account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX was forgiven and closed and still showing on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX was forgiven and closed and still showing on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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:
Upon viewing my credit report, I noticed fraudulent accounts on my report. Please remove them as they are hurting my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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:
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 XXXX XXXX XXXX. 

Account name : XXXX  FINANCIAL # XXXX, Account name : XXXX CARDS/CITIBANK # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX BANK # XXXX, Account name : XXXX XXXX SERVI # XXXX, has violated my rights. 

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 XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 XXXX XXXX XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 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 2025-02-28 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: NC

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 XXXX XXXX XXXX. 

Account name : XXXX  FINANCIAL # XXXX, Account name : XXXX CARDS/CITIBANK # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX BANK # XXXX, Account name : XXXX XXXX SERVI # XXXX, has violated my rights. 

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 XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 XXXX XXXX XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Harpeth Financial Services, LLC
State: IA

Complaint narrative:
Started receiving e-mails about loan approval. Then received a bill/invoice for repayments to start. I called the company and they refused to give me any information unless I gave them my SSN. Their website indicates that they do not even loan in my state and I had never heard of them until hearing about my " approval ''. I do not want to be on the hook for a loan I did not apply for or receive. I have received another billing from the company ( XXXX ) today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: NC

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 XXXX XXXX XXXX. 

Account name : XXXX  FINANCIAL # XXXX, Account name : XXXX CARDS/CITIBANK # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX BANK # XXXX, Account name : XXXX XXXX SERVI # XXXX, has violated my rights. 

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 XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 XXXX XXXX XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-02-28 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-02-28 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: CO

Complaint narrative:
Dispute due to the data breach with all of the 3 credit reporting agencies with includes Experian, TransUnion, & Equifax ( code ) 15U.SC.1681

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 2025-02-28 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: CO

Complaint narrative:
Dispute due to the data breach with all of the 3 credit reporting agencies with includes Experian, TransUnion, & Equifax ( code ) 15U.SC.1681

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 2025-02-28 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: TX

Complaint narrative:
This is my final demand for the immediate removal of multiple unauthorized and fraudulent hard inquiries from my XXXX credit report. These inquiries were placed without my written consent and must be removed immediately, as required by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b. THE FOLLOWING INQUIRIES MUST BE DELETED IMMEDIATELY : 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  LEGAL VIOLATIONS & FTC ENFORCEMENT Under 15 U.S.C. 1681b, a credit inquiry is only permissible with my explicit written authorization. If XXXX can not provide physical, legally binding proof that I approved each of these inquiries, you are in direct violation of the FCRA and must delete them immediately. The Federal Trade Commission ( FTC ) has ruled that failing to remove unauthorized inquiries constitutes willful noncompliance with federal law. If these inquiries are not removed within 4 days, XXXX will face immediate legal consequences, including : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ). A lawsuit for willful violations of the FCRA, under 15 U.S.C. 1681n ( a ), which allows me to seek statutory damages of up to {$1000.00} per violation plus attorney fees. An FTC complaint citing Experians failure to comply with federal law. A report filed with my states Attorney General for deceptive practices and failure to investigate fraudulent activity. This is not a requestthis is a final demand. I expect written confirmation that these inquiries have been permanently removed within 4 days of receiving this letter. Failure to comply will result in immediate legal action.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For the record Affiant XXXX XXXX XXXX MORTGAGE has repeatedly failed to comply and produce supporting documents of their fraudulent claim Below I have attached addition evidence of my correspondence with this corporation / agency citing laws, and questions that XXXX XXXX XXXX Mortgage is required to by law to answer and comply with and they continue to show complete disregard for the law and their policy. Continue to harass and violate consumers rights XXXX XXXX XXXX. XXXX without providing evidence of a lawful and enforceable contract Pursuant XXXX U.S.C XXXX ( a ) ( XXXX ) ( A ) XXXX XXXX XXXX Mortgage and agent known as " XXXX '' has not validated the alleged debt/mortgage well over the ( XXXX ) day since the first dispute I have reserved my rights to amend the contract and found that the contract was not valid to begin with. 
Pursuant XXXX XXXX. XXXX ( B ) Any accuracy must be removed immediately Therefore because there is now lawful valid contract I lawfully demand this to be corrected from my consumer report in accordance with the law and the FDCPA Pursuant XXXX XXXX XXXX and according to XXXX XXXX there is no debt and I demand for the account to be discharge in full and all alleged late payments be deleted I have the right to sue for this fraud, defamation of character, violation of rights, deprivation of rights and this report/complaint is evidence.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
For the record Affiant XXXX XXXX XXXX MORTGAGE has repeatedly failed to comply and produce supporting documents of their fraudulent claim Below I have attached addition evidence of my correspondence with this corporation / agency citing laws, and questions that XXXX XXXX XXXX Mortgage is required to by law to answer and comply with and they continue to show complete disregard for the law and their policy. Continue to harass and violate consumers rights XXXX XXXX XXXX. XXXX without providing evidence of a lawful and enforceable contract Pursuant XXXX U.S.C XXXX ( a ) ( XXXX ) ( A ) XXXX XXXX XXXX Mortgage and agent known as " XXXX '' has not validated the alleged debt/mortgage well over the ( XXXX ) day since the first dispute I have reserved my rights to amend the contract and found that the contract was not valid to begin with. 
Pursuant XXXX XXXX. XXXX ( B ) Any accuracy must be removed immediately Therefore because there is now lawful valid contract I lawfully demand this to be corrected from my consumer report in accordance with the law and the FDCPA Pursuant XXXX XXXX XXXX and according to XXXX XXXX there is no debt and I demand for the account to be discharge in full and all alleged late payments be deleted I have the right to sue for this fraud, defamation of character, violation of rights, deprivation of rights and this report/complaint is evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: AL

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. The accounts in question are : XXXX XXXX XXXX account number XXXX in the amount of {$630.00} XXXX  CREDIT SERVI account number XXXX in the amount of {$2200.00} XXXX XXXX XXXX account number XXXX in the amount of {$520.00}

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 explanation
Consumer complaint received 2025-02-28 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 dispute the accuracy of an account listed on my credit report. Under the Fair Credit Reporting Act ( XXXX  ), all information in a consumers file must be accurate, complete, and verifiable. Upon reviewing my credit report, I discovered an incorrect account that is negatively affecting my XXXX XXXX. This company improperly made this error on my report without even notifying.

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 2025-02-28 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: Affirm Holdings, Inc
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : {$7500.00} XX/XX/XXXX Conditions : XXXX : Open XXXX : Closed Experian : Closed Affirm Inc Balance : {$550.00} XXXX Conditions Closed XXXX Balance {$2600.00} XXXX XXXX are listed XX/XX/XXXX & XX/XX/XXXX Condition Closed XXXX Remarks : Closed XXXX paid account/zero balance Rental agreement XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX Remarks : Closed or paid XXXX balance Utility

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than XXXX  days have elapsed since I submitted my 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 non-monetary relief