vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my transunion, experian, and equifax credit report. XXXX, Inquiry date:XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX Inquiry date: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 Inquiry date XXXX XXXX XXXX Inquiry date  XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my transunion, experian, and equifax credit report. XXXX, Inquiry date:XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX Inquiry date: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 Inquiry date XXXX XXXX XXXX Inquiry date  XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: MD

Complaint narrative:
Subject : Failure to Correct and Provide Explanation for Credit Reporting Errors Equifax I am filing a complaint against Equifax for failing to properly investigate and correct inaccuracies in my credit report, specifically regarding my on-time payments. After submitting a complaint to the CFPB in XX/XX/year>, Equifax initially corrected some errors but removed previously reported on-time payments, replacing them with No Data Available. Before these changes, my payments were correctly marked as on-time with a green checkmark, but after they made adjustments, they altered multiple months to reflect missing data instead of accurately reporting my payment history. 

Despite my disputes, Equifax has not provided any clear explanation for these changes. Each time I dispute the issue, Equifaxs investigation results in a response stating Verified as Accurate without any details or supporting evidence, which fails to address the inaccuracies they created. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), Equifax is required to conduct a reasonable reinvestigation and provide accurate and complete reporting ( FCRA 611 ( 15 U.S.C. 1681i ) ). However, their refusal to explain the changes and their failure to restore my correct payment history suggest that they are not complying with FCRA requirements. Additionally, this lack of transparency and failure to properly resolve disputes may constitute an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) under the Dodd-Frank Act ( 12 U.S.C. 5531 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
Ally advertised : " Open an eligible Ally Invest account, get a {$100.00} cash bonus. Ally Bank and Ally Auto customers can get a {$100.00} cash bonus when you open an eligible Self-Directed Trading or Robo Portfolio account, set up and complete at least three consecutive automated monthly {$50.00} minimum recurring transfers. The bonus will be deposited into your Invest account no later than 30 days after your third recurring transfer. '' I completed my third recurring transfer on XX/XX/year>. 

I asked the bank to confirm I will receive the bonus within 30 days of this date as promised. 

The bank refused to confirm whether I was eligible and met all requirements.

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 2025-02-09 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: MD

Complaint narrative:
Under section 15 USC Section 1681 my information was compromised from multiple data breaches causing false and inaccurate reports on my credit. I would like this information removed immediately. After items were removed they were also reentered. Thanks. Have a blessed evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NJ

Complaint narrative:
Due to the huge data breach my accounts have all been altered and my credit score has been lowered, I dont own all of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: DE

Complaint narrative:
My personal information was exposed in a data breach. Giving someone access and opportunity for identity theft. Per the FRCA 606b 15 USC 1681c2 the following accounts need to be blocked and deleted. This is fraudulent, inaccurate and false information listed on my Transunion profile consist of the following accounts. 
XXXX {$650.00} ; XXXX XXXX {$5500.00} ; XXXX XXXX {$1400.00} XXXX XXXX {$780.00} As well as inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I do not recognize the aforementioned accounts, collections or inquiries and were not opened by me. These are a result of identity theft from a data breach.

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 2025-02-09 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: MD

Complaint narrative:
XXXX XXXX ( XXXX ), ( XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Dept Of EDXXXX {$2700.00} Dept Of ED-XXXX {$2200.00} Dept Of EDXXXX XXXX {$6300.00} XXXX XXXXXXXX {$700.00} XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the *Bureau* credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-02-09 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 recently reviewed a copy of my credit report. I found numerous inquiries from creditors who I did not give permission to pull my credit report. These inquiries are fraudulent. Please remove these fraudulent inquiries off my credit report. 
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 XXXXXX/XX/year>

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I requested a thorough investigation into the reporting on my credit report being in accurate due to the XXXX data breach. I have yet to have my complaint response.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of identity theft. I have noticed some unauthorized accounts on my credit report that I did not benefit from. I also have a collection from a fraudulent car company name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX. When I left with the vehicle off the lot the very next day my car XXXXXXXX XXXX XXXX  XXXX would not start, I than XXXX XXXX XXXX XXXX XXXX XXXX and advised them that my car isnt starting they asked me whats wrong and I told them I dont know. They then asked could I bring the car back to the car lot to try to jump it. I than asked someone to jump my car and drove it to the car lot. That is when I found out it needed a new starter. A few hours after I left the car lot. I drove out XXXX and thats when I noticed my car started accelerating and has a weird sound, I then pulled my car over to the side of the road turned my vehicle off and than notice that the car would not start again. The shop was close by that time and so I could not reach out to them. I then had to get a towing truck to help me get my car back home. I than spoke to the car lot company the next day and ask them if they can put me in another car. They then told me no, I then asked the company why couldnt they accommodate me on getting in another vehicle after only a week of having the car. I then told them I did not want the car anymore and requested give me back my money for the down payment I placed on the car and they refuse to do that. I then gave the car to a friend, who did not properly sign paperwork with the company or assume payments, leaving a bad debt in my name. I need this fraudulent account removed from my name immediately, or I will sue for civil action against the person and the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: DC

Complaint narrative:
I pulled my credit report and saw that this XXXX XXXX XXXX  was on there with {$190.00} balance and I wanted to find out more information so I called the company. I told them that I have no knowledge of this card. I've never submitted any information to have one and please close the account which they said was already closed by them, I need this removed off of my credit because it's hindering my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
This is my 4th time asking CFPB to help me dispute an account and requested from the credit bureau that is not just reporting inaccurate info but also it's charged off and this is not my account. I never received a 1099 C. I continue to get verified but no documents have been provided. My rights are being violated. I have included a copy of my driver license and social security card to validate my identity. I Filed a complaint with FCT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: IN

Complaint narrative:
Subject : Formal Complaint Ongoing FCRA Violations ( 15 U.S.C. 1681i ( a ) ( 1 ), 1681i ( a ) ( 6 ) ( B ) ( iii ), 1681s-2 ) To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report for the ninth time. Despite my multiple reinvestigation requests, the inaccuracies remain, and your responses continue to state the information has been " verified. '' This is not the case, as the errors remain uncorrected, with inconsistent reporting dates across different credit bureaus. 

This failure to properly investigate and correct inaccurate information violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 1 ) requiring a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) requiring disclosure of the method of verification upon request. who verify the name and how it was verify 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibiting the reporting of inaccurate information. 
Disputed Information : Creditor/Furnisher : XXXX XXXX XXXX Account XXXX : XXXX I will attach the evidence of all the inaccuracies Elan Financial reporting verify while the inaccuracies remains you have kept sending me these accounts are verify yet the account remain the same You refuse to do your your job and this has effected me Inaccuracies Remaining : different reporting dates across bureaus I have circled all the inaccuracies on the attachment Since your repeated responses fail to correct these inaccuracies, I am now demanding the following under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : How was this information verified? 
The name, contact details, and records used by the furnisher to verify this information. 
A copy of the verification proof used to confirm the accuracy of this account. 
Since you have failed to ensure accuracy and reinvestigate properly after multiple requests, I demand the immediate deletion of this account under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

If this issue is not resolved within 30 days, I will escalate this matter by : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Pursuing legal action under 15 U.S.C. 1681n & 1681o, which entitles me to statutory damages of up to {$1000.00} per violation, plus punitive damages and attorneys fees. 
This is my final request before taking further action. Please confirm receipt of this letter and provide the requested verification details immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: IN

Complaint narrative:
Subject : Formal Complaint Ongoing FCRA Violations ( 15 U.S.C. 1681i ( a ) ( 1 ), 1681i ( a ) ( 6 ) ( B ) ( iii ), 1681s-2 ) To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report for the ninth time. Despite my multiple reinvestigation requests, the inaccuracies remain, and your responses continue to state the information has been " verified. '' This is not the case, as the errors remain uncorrected, with inconsistent reporting dates across different credit bureaus. 

This failure to properly investigate and correct inaccurate information violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 1 ) requiring a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) requiring disclosure of the method of verification upon request. who verify the name and how it was verify 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibiting the reporting of inaccurate information. 
Disputed Information : Creditor/Furnisher : XXXX XXXX XXXX Account XXXX : XXXX I will attach the evidence of all the inaccuracies Elan Financial reporting verify while the inaccuracies remains you have kept sending me these accounts are verify yet the account remain the same You refuse to do your your job and this has effected me Inaccuracies Remaining : different reporting dates across bureaus I have circled all the inaccuracies on the attachment Since your repeated responses fail to correct these inaccuracies, I am now demanding the following under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : How was this information verified? 
The name, contact details, and records used by the furnisher to verify this information. 
A copy of the verification proof used to confirm the accuracy of this account. 
Since you have failed to ensure accuracy and reinvestigate properly after multiple requests, I demand the immediate deletion of this account under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

If this issue is not resolved within 30 days, I will escalate this matter by : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Pursuing legal action under 15 U.S.C. 1681n & 1681o, which entitles me to statutory damages of up to {$1000.00} per violation, plus punitive damages and attorneys fees. 
This is my final request before taking further action. Please confirm receipt of this letter and provide the requested verification details immediately.

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 2025-02-08 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:
Experian and Equifax shared inaccurate credit score data with lenders, which led to credit denials. I can not access an accurate or consistent report online violating FCRA 605B ( 15 U.S.C. 1681 c-2 ). Experian and Equifax conducted XXXX inadequate investigations failing to address my request to remove all inconsistent and unfair information on my consumer report violating 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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:
Experian has failed to fulfill its legit obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately unreliable consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experians inaction violate federal law and my rights as a consumer.

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