vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: NJ

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a collection account on my credit file. The account in question is listed under the name of XXXX XXXX XXXX XXXX with the account number XXXX. This account does not belong to me, and I demand that it be thoroughly investigated and removed from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate representation of my credit history. The inclusion of this fraudulent account constitutes a clear violation of my rights under Section 605 of the FCRA, which mandates that only accurate information can be reported. I dispute this account as unauthorized and erroneous, and it should be permanently removed from my credit report. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits any attempts to collect a debt from an individual who does not owe it. This collection account has no legitimate basis against me, and I will not tolerate any further attempts to harass or damage my credit. The reporting of this account is an unlawful violation of my rights, and I am prepared to take appropriate action if necessary.

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 2025-01-28 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 am writing to formally dispute the inaccurate reporting of a collection account on my credit file. The account in question is listed under the name of XXXX XXXX XXXX XXXX with the account number XXXX. This account does not belong to me, and I demand that it be thoroughly investigated and removed from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate representation of my credit history. The inclusion of this fraudulent account constitutes a clear violation of my rights under Section 605 of the FCRA, which mandates that only accurate information can be reported. I dispute this account as unauthorized and erroneous, and it should be permanently removed from my credit report. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits any attempts to collect a debt from an individual who does not owe it. This collection account has no legitimate basis against me, and I will not tolerate any further attempts to harass or damage my credit. The reporting of this account is an unlawful violation of my rights, and I am prepared to take appropriate action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I request reinvestigation and removal of unverifiable information in accordance with FCRA for the following inaccurate accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite multiple dispute submissions, the credit bureaus have failed to provide sufficient verification or remove inaccurate and unverifiable information from my report. Experian is currently facing legal action by the CFPB for failing to comply with FCRA requirements, which further supports my claim for reinvestigation. I am requesting that the CFPB intervene to ensure compliance with federal law and the facilitate the removal of inaccurate and unverifiable data.

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 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX the account is accurate, without providing any evidence di a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer

Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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.

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 2025-01-28 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block Section 604 - 15 U.S. Code 1681 B Section 605 A - 15 U.S. Code 1681 XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX Record type Bankruptcy XXXX  XXXX-discharged Court XXXX XXXX XXXX XXXX XXXX _________________________________________________ INQUIRY : XXXX XXXX XXXX Inquiry date - XX/XX/XXXXXXXX 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 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b-

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 2025-01-28 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: 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-01-28 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: DC

Complaint narrative:
IC SystemsXXXX XXXX XXXX  XX/XX/year> {$270.00} XXXX disputed this account because Ive never had a XXXX XXXX account. I have an XXXX XXXX XXXX business account for the last XXXX years for cellular / internet needs. 

IC Systems / XXXX - XXXX XX/XX/year> {$330.00}. They added another account to my report 7 months later. I disputed it with the company once again. Explaining that I as well as my family all have service through XXXX XXXX XXXX not 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 2025-01-28 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: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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 accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address and SSN Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. 
Enclosures : XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: ID

Complaint narrative:
I took out my loans in college, in XXXX. I entered repayment and have been paying on them since. The balance is as follows : {$XXXX} XXXX loan {$XXXX} in XXXX  {$XXXX} XXXX loan {$XXXX} in XXXX  {$XXXX} XXXX loan : {$XXXX} in XXXX  I had to file XXXX  at XXXX point in XXXX and wasnt allowed to include my loans, because they were student loans. I had to live through XXXX XXXX, to XXXX, and now MOHELA but have no relief. I have paid these off twice over yet still owe more than I borrowed. These are private student loans so I keep not getting any settlement or relief. I dont know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to formally express my concern and dissatisfaction regarding the restriction of my business accounts, which has been ongoing for over a week and a half. This restriction has been imposed due to a mistake made by one of chase bank officials during the process of opening a new account.

The affected accounts are critical to the operations of my business, which operates under federal guidelines and is protected by the Perishable Agricultural Commodities Act ( PACA ). This restriction has brought my business to a complete halt, causing significant financial and operational hardship.

Despite my repeated attempts to resolve this issue, I have encountered the following challenges : 1. Inconsistent Information : Each time I call, I am provided with conflicting information regarding the status of the restriction and the steps necessary to resolve it.

2. Untrained Staff : It has become evident that the official handling my account lacked proper training, which led to the error causing this restriction.

3. Delays in Resolution : Despite the urgency of the situation and my ongoing communication with your representatives, there has been no clear or timely resolution. 

The lack of clarity, consistency, and urgency in resolving this issue is unacceptable, particularly given the nature of my business and its federal protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SUNRISE CREDIT SERVICES, INC
State: DE

Complaint narrative:
I checked my credit report with XXXX and saw an item from SUNRISE CREDIT SERVICE has flagged your account as Collections. I never opened nor had an account with SUNRISE CREDIT or any of their associated products I called today asking to speak with a supervisor and got disconnected on

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 2025-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I am writing to formally file a complaint against XXXX regarding their failure to provide the necessary details of the investigation related to the repossession of my vehicle and subsequent charge-off on my account. 

XXXX repossessed my vehicle, citing late payments. Following the repossession, I disputed the charge-off listed on my account and requested an investigation and documentation verifying the charge-off as required by law under the Fair Credit Reporting Act ( FCRA ). 

Despite my efforts to obtain detailed information regarding the investigation, including evidence supporting the validity of the charge-off, XXXX failed XXXX comply with their obligation to provide this information. I made the following attempts to resolve the issue : XXXX, I followed up via phone but no response was provided. 

To date, I have not received any details or documentation explaining how XXXX verified the charge-off or addressed my dispute. This lack of transparency and failure to comply with legal requirements has caused undue stress and financial hardship. 

I believe XXXX has violated my rights under the FCRA, which entitles me to receive a proper investigation and documentation verifying any disputed information. I am requesting the CFPB to intervene and ensure that : XXXX. XXXX provides a detailed explanation of the investigation conducted, including any documentation used to verify the charge-off. 
XXXX. XXXX takes appropriate action if the charge-off was improperly verified or not adequately investigated. 
XXXX. Any necessary corrections are made to my credit report promptly. 

I trust that the CFPB will address this matter promptly to ensure that my rights are protected. If further information or documentation is needed, please feel free to contact me. 

Thank you for your attention to this important matter. 

Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit : Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I recently received a copy of my XXXX, XXXX and EQUIFAX credit report and found the following account listed as late payments on my credit report : ACCOUNT NAME : XXXX CARD Your company is in clear violation of the law under 15 USC16811b - Permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

*I DID NOT GIVE YOU PERMISSION TO FURNISH THIS TRANSACTION AS A LATE ACCOUNT.

THE FAIR CREDIT REPORTING ACT PROTECTS ME AS A CONSUMER AND STATE THIS TYPE OF ( reporting ) is EXCLUDED FROM FURNISHING AND REPORTING.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A LATE PAYMENT IS A TRANSACTIONAL EXPERIENCE BETWEEN MYSELF AND WHO I DO PRIVATE BUSINESS WITH.

*DELETE THE LATE PAYMENTS ON THE ACCOUNTS IMMEDIATELY. DO NOT DELETE THE ACCOUNTS. 

XX/XX/year> ACCOUNT IS ( OK ) XX/XX/year> ACCOUNT IS ( XXXX ) DAYS LATE XX/XX/year> ACCOUNT IS ( OK ) Please provide me with bank statements or any transactional documentations that lead you to report this account ( XXXX ) days late when I never been late paying any company. This is interfering and preventing me from buying a home amongst other things in my life. Your reinvestigation has showed no proof. 

Failure to respond satisfactorily with deletion of late payments referenced of account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$XXXX} per violation for : XXXX. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practice Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 usc 1681 violations for willful noncompliance 5. 616 Civil Liability for willful noncompliance 15 USC 16811n 6.Negligent Enablement of Identity Fraud

Company response to consumer: Closed with explanation