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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a complaint with all credit bureau XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as of today nothing has been done to change their credit reporting, I even explained that it could be a case of mistaken identity or fraud at this point, I explained that all my credit is good standing and I have no late payments. This has really caused me XXXX XXXX XXXX XXXXXXXX. I just want this matter resolved 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 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed 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 notify 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 the disputed accounts, as Experian 's inaction violates 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
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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX XXXX XXXX XXXX ], [ XXXX ] [ XX/XX/XXXX] [ XXXX ]. [ XXXX XXXXXX/XX/XXXX[ XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. 
HOW CAN I MISSED A PAYMENT ON SOMETHING I NEVER SIGNED UP FOR REMOVE THESE NAMES XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX SUPPOSE TO HAVE ONE SSN WHY DO I HAVE TWO PLEASE REMOVE

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Transunion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report : XX/XX/XXXX- Inquiry : XXXX XXXX, XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX - XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXXXX/XX/XXXX - Inquiry : XXXX XXXX, XXXX XXXX XX/XX/XXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XX/XX/XXXX- Inquiry : XXXX XXXX, XXXX XX/XX/XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XX/XX/XXXXXXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XX/XX/XXXX- Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XX/XX/XXXX - Inquiry : XXXX XXXX, XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.

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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As per 15 USC 1611 Experian TransUnion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc XX/XX/XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was a victim of identity theft, and part of the equifax data breach. During credit monitoring I was told that I experienced over XXXX data breaches and my I information have been leaked or compromised. I tried to freeE my credit but was unsuccessful. I reached out to all three credit bureaus but they have not updated my records nor froze my credit.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was a victim of identity theft, and part of the equifax data breach. During credit monitoring I was told that I experienced over XXXX data breaches and my I information have been leaked or compromised. I tried to freeE my credit but was unsuccessful. I reached out to all three credit bureaus but they have not updated my records nor froze my credit.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to formally request the removal of an item from my credit report due to non-compliance with FCRA guidelines. The information in question fails to meet the standard for accuracy as outlined by the Fair Credit Reporting Act.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above.

You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE. 

Accounts : 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 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above.

You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE. 

Accounts : 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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am writing to formally dispute the reporting of the XXXX XXXX account on my credit report. Despite my previous dispute, TransUnion failed to conduct a reasonable investigation and did not provide any documentation verifying the accuracy of this account. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

FCRA Violations Committed by TransUnion : Failure to Conduct a Proper Reinvestigation ( FCRA 1681i ( a ) ) TransUnion is required to conduct a thorough reinvestigation of disputed items. However, you failed to provide any documentation from XXXX XXXX proving this account is accurate. 
Simply verifying the account without proper proof is not sufficient under federal law. 
Failure to Provide Evidence Supporting the Disputed Account ( FCRA 1681i ( a ) ( 6 ) ) After a dispute, the credit bureau must provide the consumer with relevant details regarding the verification process and any evidence supporting the accounts legitimacy.

I never received any such documentation, which means you either did not conduct a real investigation or failed to follow FCRA requirements.

Negligent and Willful Noncompliance ( FCRA 1681n & 1681o ) TransUnions failure to conduct a lawful investigation and provide proper documentation constitutes willful and/or negligent noncompliance with federal law.

If this is not corrected immediately, I will consider seeking statutory damages for this violation. 
Immediate Actions Required : Provide documented proof from XXXX XXXX verifying the accuracy of this account. 
If no proper documentation exists, delete this account immediately. 
Send me a written response within 30 days confirming your compliance. 
Failure to comply will result in me filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General, as well as pursuing legal action for damages. 

This letter serves as formal notice before escalating this matter legally. I expect an immediate and appropriate 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 non-monetary relief
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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXX/XX/XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX Balance Owed : {$990.00}XX/XX/XXXXXXXX Balance Owed : {$0.00}XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/scrub>/2023 XXXX XX/XX/scrub>/2023 XXXX XXXX/XXXX/2023 XXXX XXXX XXXX, NY 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Tried to log into Equifax website to file a dispute, it will not allow me log in to file a dispute. I called to resolve the log in issue, and they said nothing can be done and I would have to wait until they contact me, they never did. 

I then decided to send my dispute in the mail, then they denied my dispute stating that to process the dispute I would have to send a a copy of my drivers license. So I sent the dispute again with a copy of my drivers license, and they send me another letter saying that I need to send in a copy of my drivers license AND a copy of my W2. So i sent my dispute with both a copy of my drivers license and W2, and they rejected it again saying I still needed those copies. 

They are refusing to process my dispute which is not allowed under the FCRA, and i don't know what else to do.

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 — Reporting company used your report improperly
Company: Marlette Funding, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a late payment reported on my credit file. The reported late payment associated with XXXX XXXX, account number XXXX, is inaccurate and requires immediate investigation under federal law. 

Pursuant to 15 U.S. Code 1681s-2 ( a ), furnishers of information are required to report only accurate information. Additionally, under 15 U.S. Code 1666b and 12 CFR 1026.13, consumers have the right to dispute billing errors, including incorrect late payment reporting. As this late payment was reported in error, I request its immediate removal from my credit report.

I demand that if unable to do so or lacking proof of these payments being late. Please update my payment history to PAANL ( Paid as agreed never late ) Please conduct an investigation into this matter and provide written confirmation of the correction. If you are unable to verify the accuracy of this late payment, I request its removal per the Fair Credit Reporting Act ( FCRA ).

Thank you for your prompt attention to this matter. Please provide a written response within 30 days, as required by law. If you need further information, feel free to contact me at the details above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
Calls came in to my phone atleast 5 times a day starting as soon as they open..Some were live agents and some recordings

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I paid off my credit card balance last month and I had a balance this month of XXXX. I thought they couldnt do that anymore.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XX/XX/XXXXXXXX Account Name : XX/XX/XXXXXXXX XX/XX/XXXX Account Name : XX/XX/XXXXXXXX XX/XX/XXXX Account Name : XXXX XXXX XX/XX/XXXX Account Name : XX/XX/XXXX************** XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Name : XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX # XXXX XX/XX/XXXX Account Name : XXXX # XXXX XX/XX/XXXX Account Name : XXXX XXXX # XXXX XX/XX/XXXX Account Name : XX/XX/XXXXXXXX XX/XX/XXXX Account Name : XX/XX/XXXXXX/XX/XXXX Account Name : XX/XX/XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX

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: PA

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report promptly. I did not initiate these accounts and do not recognize them. Under USC 1681g, I formally request their removal within 15 days. Supporting documents are included for your consideration.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a complaint with all credit bureau XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as of today nothing has been done to change their credit reporting, I even explained that it could be a case of mistaken identity or fraud at this point, I explained that all my credit is good standing and I have no late payments. This has really caused me XXXX XXXX XXXX XXXXXXXX. I just want this matter resolved immediately.

Company response to consumer: Closed with explanation