vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I previously submitted a dispute, along with an official letter from the United States Bankruptcy Court for the XXXX XXXXXXXX XXXX XXXX, which explicitly states that they do not report individual bankruptcy filings to credit bureaus. Despite this, my dispute was denied, and the inaccurate bankruptcy remains on my report. 

As it pertains to the Bankruptcy report the burden of proof is on you, the credit bureau, to ensure all information reported is 100 % accurate. Since the court has confirmed they do not report to you, I demand that you either verify this bankruptcy with them directly or remove it from my report immediately. If you fail to do so, I will have no choice but to escalate this matter further, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ), and pursuing legal action for FCRA violations. 

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. 

Public records information is NEVER validated by the Recorder of Deeds or the U.S. 
Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
My inquiry to the County Recorder of Deeds and U.S. Bankruptcy Courts confirmed Equifax Transunion and Experian Credit Bureau have never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third-party sources unaware to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report 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 2025-02-28 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: NC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I was contacted in regard to a debt that I know nothing about. They had information on me such as my social security number and a previous address. I requested verification of the debt several times on more than one occasion. They refuse to provide me with any contact information other than a telephone number and the name of the company. The name they provided was XXXX but that was all the information they would provide other than a call back number ( XXXX ) I've spoken with two different people. One who identified herself only as XXXX and another who identified herself as XXXX XXXX. The alleged XXXX was HSBC. They threatened to subpoena me, told me that I was being sued for breach of contract and then indicated that there was no statute of limitations for breach of contract. According to them the last payment on the account was in 2017. In Texas the XXXX is 4 years. Even if this was a valid debt they would be attempting to collect a XXXX barred debt which, although legal in and of itself, was done by threatening an action that they can not legally take. Such as filling suit or subpoenaing me. Again, I requested an address and or a fax number in order to send a request for verification and they refuse to provide it. They only offered to email verification of the debt. Furthermore they indicated that all they had was a demand letter for payment. Even though at another point they indicated that a judgment had been taken. I've received nothing through my email. I have checked my credit report with all three bureaus and I show no delinquencies or collection accounts. When I inquired as to whether this could be something to do with my ex-husband they indicated he was on the account but they were only going after me then at another point indicated that it was a joint account and they may go after him. 
These folks are harassing me and won't provide any backup or any information other than a thumbnail of an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Im a XXXX worker and I had a direct deposit scheduled for XX/XX/year>. The morning of the direct deposit my accounts were closed. I called stating a reason why and the chase representative just told I can no longer access my account because its closed. I have no way of accessing my funds and I feel left stranded with no way to pay immediate bills. The only resolution they have is to mail a check to me after they close my account in XXXX business days. Im left waiting until I figure out if my direct deposit has been posted or not. If it goes through Im at risk of not having access to those funds aswell. ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Account Number : XXXX Account Name : XXXX XXXX I am submitting this complaint to address inaccurate information reported by TransUnion on my credit report. Despite my consistent efforts to make timely payments, TransUnion has reported incorrect late or missed payments, which negatively impacts my credit score. 
I have attached a screenshot that illustrates my payment history, showing an 88 % on-time payment record. The image highlights discrepancies, including incorrect late payments for XXXX and an inaccurate delinquency reported in XX/XX/XXXX, despite making timely payments for the rest of the year. 
Key Issues : Incorrect Payment Status : The record incorrectly shows missed or late payments in XX/XX/XXXX and several months in XXXX, though I made these payments on time. 
Harm to Creditworthiness : This inaccurate reporting has negatively impacted my credit score, affecting my ability to secure favorable terms on loans and credit products. 
Requested Resolution : I request that TransUnion immediately investigate and correct these inaccuracies by updating my credit report to reflect the correct payment history. Furthermore, I ask that TransUnion provide me with an updated credit report confirming the corrections. 
Regulatory Concern : I am aware that the CFPB has recently issued new fines against TransUnion for violations of consumer protection laws. I urge the CFPB to ensure TransUnion is held accountable for inaccurate reporting practices, as these errors cause real financial harm to consumers. 
I appreciate your prompt attention to this matter. Please contact me if you require any additional information to support my claim. 
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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dispute of Incorrect Items and Unauthorized Inquiries on My Credit Report Dear EXPERIAN I am writing to formally dispute inaccurate information and unauthorized inquiries on my credit report in accordance with the **Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681o, which imposes civil liability for willful and negligent noncompliance, as well as 15 U.S.C. 1692g and 15 U.S.C. 1681b, which regulate permissible purposes for credit inquiries.

Upon reviewing my credit report, I have identified several errors that require immediate correction. The following accounts and inquiries appear to be inaccurate or unauthorized : 1. XXXX XXXX XXXX XXXX ACCOUNT # XXXX This is an issue, that is an incorrect error and balance, of {$8900.00} that I have no knowledge or status, of date it was open XXXX XXXX 2. XXXX XXXX XXXX XXXX ACCOUNT # XXXX This is an issue, that is an incorrect error and balance, of {$2300.00} that I have no knowledge or status, of date it was open XX/XX/XXXX XXXX. Unauthorized Inquiry by Company Name**XXXX XXXX XXXX** inquired was open on XX/XX/XXXX, an also **XXXX** inquired was open on XXXX XXXX in my rights to better my credit I fell if these two inquiries were not approved by my knowledge and was unauthorized and I request for them to be removal Legal Basis for My Dispute - 15 U.S.C. 1681b : This section of the FCRA outlines the permissible purposes for accessing a consumer 's credit report. If any listed inquiries were made without my authorization or a legitimate purpose, they are a direct violation of federal law. 
- 15 U.S.C. 1692g : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide validation of debts. If the inaccurate accounts are being reported by debt collectors without proper validation, this is a violation. 
- 15 U.S.C. 1681o : This section holds parties civilly liable for negligent noncompliance with the FCRA. Reporting inaccurate information or failing to correct errors upon dispute constitutes noncompliance. 

**Requested Actions** I formally request the following actions : 1. **Immediate removal of all inaccurate items** from my credit report. 
2. **Deletion of unauthorized inquiries** that were made without my consent. 
3. **A full reinvestigation** into the disputed accounts and inquiries. 
4. **A written response** detailing the findings of your investigation within 30 days, as required by the FCRA. 


. I appreciate your immediate attention to this dispute and look forward to your response. 

Sincerely, 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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Esusu, Inc.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Invitation Homes and Esusu for Unauthorized Disclosure and Discriminatory Credit Reporting To Whom It May Concern, I am filing a formal complaint against Invitation Homes for unlawfully disclosing my private financial information to Esusu Financial without my consent and against Esusu for their discriminatory decision to stop reporting my rental payments to credit bureaus. 

I am a Section 8 voucher holder renting from Invitation Homes, where XXXX XXXX XXXX XXXX ( XXXX, Georgia ) makes my monthly rent payments. 

However, I recently discovered that Invitation Homes disclosed to Esusu that my rent is paid through a government program without my authorization.

Their duty is solely to report whether my rent is paidnot to disclose who is making the payment. This was a clear violation of my privacy rights. 

Due to this unauthorized disclosure, Esusu stopped reporting my rental payments to credit bureaus in XX/XX/year>, despite having initially reported them since XX/XX/year>. 

Esusu has stated : Consequently, these payments are not being sent to us since we do not report rent payments that are government-funded. 

Their decision was based entirely on Invitation Homes improper disclosure of my financial situation. 

This action has unfairly harmed my ability to build my credit, which is discriminatory toward tenants who receive government assistance. 

My rental history should be reported based on whether my rent is paid on time, not the source of the funds. 

I believe Invitation Homes has violated my privacy rights, and Esusus reporting policy creates an unfair disadvantage for low-income tenants who rely on housing assistance. 

I request that the CFPB investigate this matter and take appropriate action, including : 1. Holding Invitation Homes accountable for sharing my private financial details with a third party without my consent.

2. Requiring Esusu to reinstate the reporting of my rental payments to the credit bureaus, as rental history should be recognized regardless of the funding source. 

XXXX. Preventing further privacy violations and discriminatory reporting practices that negatively impact Section 8 tenants.

This situation has directly impacted my financial standing, and I appreciate the CFPBs prompt attention to this matter.

I am including both parties to my complaint. Please see attached documents that were uploaded for myCFPB complaint on Invitation Homes. It pertains to both parties. However I received a email from CFPB stating that Invitation home was not in their system. Which I find it very hard to believe. So please include Invitation Homes with this complaint. 

Please let me know if you need any additional information or documentation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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