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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

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: OH

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
I previously submitted a claim and a thorough investigation was not conducted. 
I am writing again to dispute the accuracy of the collection account listed on my credit report. The account in question is listed under the collection agency Jefferson Capital System with the account number XXXX. According to the credit report I received, this account is reporting as a collection account.According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is illegal to report information on my credit report with our permission. Please remove this item from my credit report.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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

Company 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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: IL

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a letter saying you verified that the BANKRUPTCY is mine. I repeat, the BANKRUPTCY is not mine and is result of FRAUD/ERROR. I do not remember filling a BANKRUPTCY! Please REMOVE it from my credit report IMMEDIATELY! This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I applied for direct financing with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, OK contact XXXX. I received a hard inquiry notification from XXXX whom I approved to run my credit for an auto loan. Thereafter, I began receiving multiple notifications of additional hard inquiries on my credit. I immediately called the dealership salesman XXXX XXXX contact number ( XXXX ) XXXX at XXXX XX/XX/XXXX and told him to notify his finance department to cease from running my credit through other banks and lenders that I did not approve. Afterwards, I received another XXXX unauthorized hard inquiries. 

The list of companies with unauthorized hard inquiries whom my credit are the following : XXXX 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 2025-01-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In XX/XX/year>, I was trying to buy a house when I pulled my credit report and was shocked to see a fraudulent XXXX XXXX account listed. I dont remember ever opening an account with XXXX XXXX, nor did I give any authorization or consent for it to be reported. As soon as I saw it, I filed a police report and realized I had become a victim of identity theft and on XX/XX/year>, I disputed the account with the credit bureaus. XXXX and XXXX acted quickly and removed the account from my credit report, but Equifax has not, even though I provided the exact same evidence to them. I cant understand why Equifax is still reporting this accountits frustrating and feels like a violation of my rights under the Fair Credit Reporting Act, which requires credit bureaus to ensure the information they report is accurate. By failing to address this properly, Equifax XXXX also be violating laws like 15 USC 1681e ( b ) and 1681n, which hold them responsible for negligent or willful noncompliance. This situation has caused me unnecessary stress and has made it harder for me to move forward with my plans. Im demanding that Equifax immediately remove this fraudulent account from my credit report. If this isnt resolved, I will have no choice but to take further action to protect my rights and hold Equifax accountable.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Due to a data breach there were multiple accounts on my credit report that I did not recognize it is listed below : THESE ACCOUNTS WERE A RESULT OF THEFT : 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  UNRECOGNIZED INQUIRIES : XXXX XXXX XXXX XXXX, XXXX Ive filled a police report for identity theft and mailed copies to all of the companies listed. No changes have reflected on my credit report though I was not the person who opened those accounts.

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:
Due to a data breach there were multiple accounts on my credit report that I did not recognize it is listed below : THESE ACCOUNTS WERE A RESULT OF THEFT : 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 UNRECOGNIZED INQUIRIES : XXXX XXXX XXXX XXXX, XXXX Ive filled a police report for identity theft and mailed copies to all of the companies listed. No changes have reflected on my credit report though I was not the person who opened those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I am requesting your assistance in investigating accounts from companies that are inaccurately reporting late payments. After thoroughly reviewing my credit report, I noticed certain accounts with late payments that are incorrect. There should not be any late payment remarks on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against TransUnion for conducting inadequate and misleading investigations into disputes regarding my credit profile. As a consumer, I have a right under the Fair Credit Reporting Act ( FCRA ) to have my disputes investigated thoroughly, but TransUnion has failed to fulfill this obligation. 

Over the course of my recent interactions with TransUnion, I have noticed a pattern of what I believe to be sham investigations. My disputes regarding inaccurate information on my credit report were met with superficial responses that did not address the concerns I raised. Specifically : TransUnion has responded to disputes with generic statements or resolutions that did not appear to involve any meaningful investigation. 

My evidence supporting the inaccuracies in my credit report was not acknowledged or addressed in the responses. 

The results of the disputes were issued in unreasonably short timeframes, suggesting that no thorough investigation could have been conducted. 

These actions not only undermine the integrity of the credit reporting system but also violate the provisions of the FCRA, which requires credit reporting agencies to conduct reasonable investigations of disputed information. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate TransUnions dispute-handling practices to ensure compliance with federal law and to protect the rights of consumers like myself. I also urge the CFPB to take necessary enforcement actions to hold TransUnion accountable for any violations uncovered during the investigation. 

Please let me know if additional information or documentation is required to support this complaint. I trust that the CFPB will address this matter with the seriousness it warrants. 

Thank you for your attention to this issue. 

Sincerely,

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: EQUIFAX, INC.
State: MI

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

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

Company 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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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: 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Violation of FCRA XXXX ( Willful Noncompliance ) Dear Sir/Madam, I am writing to formally dispute the violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX, regarding your failure to properly address my dispute within the required time frame and in compliance with the provisions of the FCRA. 

The details of the disputed item ( XXXX ) are as follows : Collections Late payments XXXX I submitted a dispute and despite the XXXX investigation period required under FCRA, XXXX have not received a resolution or response, violating my rights under FCRA XXXX XXXX. '' ] Under FCRA XXXX XXXX, I am entitled to seek redress if your failure to comply with the FCRA was willful, causing me harm or injury. I am requesting that you investigate the dispute once again in full compliance with the FCRA, or I may consider pursuing further legal action for any damages I may have incurred as a result of your failure to properly investigate Thank you for your attention to this matter. I expect a prompt resolution in line with the law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX Subject : Dispute of Violation of FCRA XXXX ( Willful Noncompliance ) Dear Sir/Madam, I am writing to formally dispute the violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX, regarding your failure to properly address my dispute within the required time frame and in compliance with the provisions of the FCRA. 

The details of the disputed item ( XXXX ) are as follows : Collections Late payments Bankruptcy I submitted a dispute and despite the XXXX investigation period required under FCRA, XXXX have not received a resolution or response, violating my rights under FCRA XXXX XXXX. '' ] Under FCRA XXXX XXXX, I am entitled to seek redress if your failure to comply with the FCRA was willful, causing me harm or injury. I am requesting that you investigate the dispute once again in full compliance with the FCRA, or I XXXX consider pursuing further legal action for any damages I XXXX have incurred as a result of your failure to properly investigate Thank you for your attention to this matter. I expect a prompt resolution in line with the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: NY

Complaint narrative:
Mortgage was just sold to XXXX financial 30 day ago monthly payment went up over XXXX, hence school tax is being calculated incorrect by Selene.I have emailed the correct amount from a letter from our school tax receipt. XXXX loan # XXXX my # XXXX XXXX XXXX they are charging over XXXX for school tax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have a XXXX XXXX account, and they have been the worse bank/financial service I have ever I had XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX doesn't help their customer, they actually take money over and over! and I had paid over XXXX on fees, they gave misleading information that cost me XXXX on a security, I reported a complain of a scam, they blocked my account and made lose a lot of money! all my savings are gone! I'm depressed I work and work and it is impossible to recuperate my money! I need help!

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