vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result or identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a STUDENT LOAN opened with DEPARTMENT OF EDUCATION XXXX  on XXXX, XXXX under the account number ( XXXX ). This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. My principal do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on principal consumer credit report maintained by you were not operating in good faith, was not made, or governed by me. 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
After reviewing my credit report, I am troubled to find a late payment notation, even though I have never made a late payment.

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 2025-03-22 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: IN

Complaint narrative:
After reviewing my credit report, I am troubled to find a late payment notation, even though I have never made a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents l 've provided to update my correct full name and address. Also, please remove any names that don't match my ID. Please remove any addresses that don't match my current and valid 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 non-monetary relief
Consumer complaint received 2025-03-22 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: NJ

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-03-22 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: TX

Complaint narrative:
After thoroughly reviewing my credit report, I found multiple inaccuracies regarding late payments reported on an account where the information does not accurately reflect my payment history. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies are legally required to maintain maximum possible accuracy, and any failure to do so is a direct violation of federal law. 

The account in question, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is inaccurately reporting late payments for 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 

The account in question, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is inaccurately reporting late payments for 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/XXXX However, upon review, I have not been provided with any verifiable proof that these delinquencies were reported correctly or in full compliance with the FCRA. If a data furnisher is reporting negative marks to my credit file, it is their legal responsibility to ensure the information is 100 % accurate, fully validated, and not misleading in any way. 

As part of my formal dispute, I request that your agency conduct a full reinvestigation and provide proper documentation proving the validity of these reported late payments. If the information can not be fully substantiatedmeaning there is no concrete, verifiable proof meeting strict FCRA standardsthen these inaccurate late payments must be removed immediately to comply with federal consumer protection laws.

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 2025-03-22 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: PA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for 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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-22 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: SC

Complaint narrative:
FOR MONTHS YOUR COMPANY HAS BEEN REPORTING INACCURATE & INCORRECT INFORMATION ON MY CONSUMER REPORT. EVERY ACCOUNT IS SHOWING DIFFERENT DATES OF LAST ACTIVITY, THE PAYMENT HISTORY & LAST PAYMENT DATES BETWEEN XXXX, XXXX, TRANSUNION.. DELETE AFTER YOUR REINVESTIGATION OF THESE INACCURATE ACCOUNTS, YOU WILL DELETE EACH ONE OF THEM FOR VIOLATING THE FCRA, BECAUSE THE INFORMATION IS INACCURATE IN REPORTING. DELETE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF ALL THE DELETIONS. DELETE THESE ACCOUNTS ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( US DEPT OF ED ) ( US DEPT OF ED ) 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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am filing this formal complaint regarding the continuous and unjust reporting of late payments on my credit report. Despite my repeated attempts to resolve this issue directly with the credit bureaus and the creditors, there has been no resolution, and these inaccurate late payments continue to negatively affect my credit score. The root cause of this problem is consistent billing errors by the creditor ( s ), which have been repeatedly reported as late payments. These billing errors are not a reflection of my payment behavior or my intention to meet my obligations. I have made all payments on time ; however, the creditors have failed to correctly process these payments, leading to late payment entries on my credit report. This situation is completely unacceptable and amounts to negligence on the part of both the credit bureaus and the reporting creditors. Despite clear documentation that shows these errors are due to improper billing and not due to any fault on my part, these issues continue to be reflected on my credit report, causing significant harm to my financial standing and overall creditworthiness. I have made several attempts to have these entries corrected, but the credit bureaus have failed to take appropriate action, leaving me with no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I have a loan with Santander consumer usa after a couple years I refinanced with XXXX XXXX after XXXX year of payments with XXXX XXXX they call me to say the Santander consumer USA didnt send them the title so XXXX XXXX cancel the contract so i have to go back to Santander consumer usa so i have to start the contract XXXX more years so i have to pay the car again this is my number if you giys want to call me for more information XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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 am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-03-22 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: IL

Complaint narrative:
I am filing this complaint against [ Experian, XXXX, and/or XXXX ] for their failure to properly investigate disputed items on my credit report, despite multiple attempts to resolve this matter in compliance with the Fair Credit Reporting Act ( FCRA ). 

Over the past 9 months, I have sent multiple dispute letters via certified mail requesting an investigation into inaccurate items on my credit report. Each letter included clear identification documents a copy of my drivers license, Social Security card, and proof of address to verify my identity. Despite providing all required documentation, I have not received responses from XXXX or XXXX stating they received my letters and Experian received my letters and responded saying they do not believe they were sent by me. This is a clear violation of the FCRA, which requires credit bureaus to conduct a reasonable investigation of consumer disputes within 30 days of receipt. I have mailed multiple compliance letters and provided all necessary documentation, yet the credit bureaus continue to ignore my dispute requests. Their refusal to investigate my disputes is causing ongoing harm, including negative impacts on my XXXX XXXX, denial of credit opportunities, and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for 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 explanation
Consumer complaint received 2025-03-22 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: PA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My information was exposed in the Equifax data breach. I have reached out to all XXXX credit bureau and tried to get this situation rectified, by submitting supporting documents and certified mail to support my claims. In XXXXXXXX XXXX XXXXXXXX the items were removed from my credit file. There was a full investigation and the items came back verified as FRAUDULENT. On XX/XX/XXXX the creditor requested that the information be inserted back to my credit file and since has dropped my credit score XXXX points. My rights are being violated under section 605b this item should have been removed and blocked. I am not responsible for this debt and since this item has been inserted back on my file I have been denied credit because of it. This is a violation of my consumer rights and constitution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: GA

Complaint narrative:
My information was exposed in the XXXX data breach. I have reached out to all XXXX credit bureau and tried to get this situation rectified, by submitting supporting documents and certified mail to support my claims. In XXXX of XXXX the items were removed from my credit file. There was a full investigation and the items came back verified as FRAUDULENT. On XX/XX/XXXX the creditor requested that the information be inserted back to my credit file and since has dropped my XXXX XXXX XXXX XXXX. My rights are being violated under section XXXX this item should have been removed and blocked. I am not responsible for this debt and since this item has been inserted back on my file I have been denied credit because of it. This is a violation of my consumer rights and constitution

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 2025-03-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: NY

Complaint narrative:
Complaint Regarding Misleading Debt Relief Services- National Debt Relief ( NDR ) Dear " Consumer Financial Protection Bureau '', I am writing to file a formal complaint against National Debt Relief ( NDR ) for misleading and deceptive practices regarding their debt relief program. 

Company Information : * Company Name : National Debt Relief ( XXXX ) * Company Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, NY, XXXX * Company Phone Number : XXXX XXXX XXXX Details of the Complaint : On XX/XX/year>, I XXXX in NDR 's debt relief program due to approximately {$25000.00} in outstanding credit card debt, which I was unable to manage due to health issues. NDR promised to reduce my debt by 50 % and established a monthly payment of {$430.00} After XXXX year, I discovered that only {$600.00} of my payments had been applied to my debt to XXXX XXXX  account and {$0.00} to XXXX XXXX account, while approximately {$3700.00} had been taken by NDR as fees. Also, NDR started pushing me to sign a new contract with monthly payments of about {$800.00} to start working with the second lender and get my interest on time and thus put me back into real debt, even without the 10 % discount. This was a significant discrepancy from the services I was promised. Consequently, I terminated my contract with NDR.

As a result of NDR 's practices, I am now in a worse financial position than when I enrolled in their program. I have made very little progress in paying down my debt, and I now have two accounts under collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Comerica
State: PA

Complaint narrative:
I froze my account when I discovered in XXXXXXXX XXXX XXXX that someone was trying to get a new card in my name sent to XXXX, where I do not live. It took me 6 months and intervention from my senators office to return XXXX 's payment to treasury which then reissued it to me. The problem is that there was XXXX $ in that account that I had been saving all year for XXXX. They have kept this money for 7 months now with no attempts to send me a check for this amount XXXX XXXXXXXX interest. There has been no communication with them either written or oral. I want my money back. The money they are holding all came from my social security. The company is XXXX XXXX which is run by XXXX XXXX. How do I get my money back. This is theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXX/XX/XXXXContents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result or identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a AUTO LOAN opened with XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. My principal do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on principal consumer credit report maintained by you were not operating in good faith, was not made, or governed by me. 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 of the aforementioned consumer credit accounts, collections, and hard 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 explanation