vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX Apt XXXX, XXXX XXXX TX XXXX XXXX XXXX Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-03-06 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I kindly request that you investigate this matter and remove the incorrect late payment from my credit report. As supporting evidence, I have attached copies of [ bank statements, payment confirmations, or any other relevant documents ] that show my payment history. 



Under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate information. If this late payment was reported incorrectly, I respectfully request that you correct the error and notify the credit bureaus to update my credit report accordingly. 



Please provide me with written confirmation of your findings and any changes made to my account. I appreciate your prompt attention to this matter and look forward to your response within 30 days, as required by 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 explanation
Consumer complaint received 2025-03-06 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: DE

Complaint narrative:
I kindly request that you investigate this matter and remove the incorrect late payment from my credit report. As supporting evidence, I have attached copies of [ bank statements, payment confirmations, or any other relevant documents ] that show my payment history. 



Under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate information. If this late payment was reported incorrectly, I respectfully request that you correct the error and notify the credit bureaus to update my credit report accordingly. 



Please provide me with written confirmation of your findings and any changes made to my account. I appreciate your prompt attention to this matter and look forward to your response within 30 days, as required by 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 explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My bank has suspended my account and restricted my ability to make transfers to an external account. I have called and requested this be fixed, and am told I must wait 1-2 business days. I feel this is an inappropriate amount of time to not be able to access the money I need to access. Additionally, I don't understand why my account has been suspended for a failed {$2.00} transfer. I have been a customer for years, and the support I have been given for this issue is completely unacceptable.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After reviewing my credit file, I noticed the following inquiries that I did not authorize : XXXX Dated XX/XX/2023 XXXX XXXX XXXX Dated XX/XX/2023 Under the Fair Credit Reporting Act ( FCRA 604 ), a creditor must have permissible purpose and proper authorization to access my credit report. Since I was not approved for credit and I do not recall signing any explicit authorization allowing these inquiries, I am requesting immediate removal. 

I kindly ask that you provide proof of signed authorization for each inquiry listed above. If you can not provide such documentation, I expect the immediate deletion of these inquiries from my credit report. 

Failure to comply with this request may result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for non-compliance with federal regulations. 

I appreciate your prompt attention to this matter and request a written response within XXXX days.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After reviewing my credit file, I noticed the following inquiries that I did not authorize : XXXX Dated XX/XX/2023 XXXX XXXX XXXX Dated XX/XX/2023 Under the Fair Credit Reporting Act ( FCRA 604 ), a creditor must have permissible purpose and proper authorization to access my credit report. Since I was not approved for credit and I do not recall signing any explicit authorization allowing these inquiries, I am requesting immediate removal. 

I kindly ask that you provide proof of signed authorization for each inquiry listed above. If you can not provide such documentation, I expect the immediate deletion of these inquiries from my credit report. 

Failure to comply with this request may result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for non-compliance with federal regulations. 

I appreciate your prompt attention to this matter and request a written response within XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
In XXXX I took a long to complete my degree in the amount of {$2700.00} which accumulated with interest of {$100.00} as of today XX/XX/XXXX. Earlier this year, I found that my personal and financial information was compromised without my authorization ( XXXXXXXX XXXX data breach to our XXXX XXXX information that also compromised our my personal information as well ) He has no rights to have access to this information without my consent. I disputed the loan but the bureaus wouldnt remove it from my credit report as well.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-06 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-06 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: PA

Complaint narrative:
On my Credit report the following accounts were not authorized by me to be open. On XX/XX/XXXX, I logged into my Experian account ( which is linked to XXXX and XXXX ) and seen several accounts that I did not open. these are the following Accounts : XXXX ) XXXXXXXX XXXX- Acct # XXXX, Acct opened- XX/XX/XXXX, Acct Bal.- XXXX XXXX ) XXXX XXXX XXXX- XXXX XXXX XXXX XXXX unknown, not shown on report ), Acct opened- XX/XX/XXXX, Acct Bal. ( unknown ) XXXX ) XXXX XXXX Acct # XXXX, Acct opened XX/XX/XXXX, Acct Bal. {$170.00} XXXX ) XXXX- Acct XXXX XXXX, Acct opened- XX/XX/XXXX, Acct Bal. ( unknown ) XXXX ) XXXX XXXX- Acct # XXXX, Acct opened- XX/XX/XXXX, Acct Bal. ( unknown ) XXXX ) XXXX Acct # XXXX, Acct opened- XX/XX/XXXX, Acct XXXX. ( unknown )

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 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
On XX/XX/year>, I acquired a car via credit from XXXX. XXXX XXXX via consumer credit sale. The agreement between myself and XXXX. XXXX was then assigned to Credit Acceptance Corporation. Recently while going over the details of the agreement, I noticed misrepresentations and errors within the agreement. I've reached out to Credit Acceptance via U.S. postal mail disputing the alleged debt, requesting full disclosure of agreement, and requesting proof of adequate assurance of due performance. I've also reached out to the dealership as well, because I was led to believe that my down payment was applied to and subtracted from the sales price of the car.

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 2025-03-06 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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:
I HAVE BEEN AFFECTED BY THE XXXX 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. 

XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00}

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 2025-03-06 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: GA

Complaint narrative:
Please see attached, this account has been reporting accuracy and harming me and my family.

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 2025-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I had a XXXX  account and I had an account with them for many years. When I realized back in 2019 that the company was adding features and other fees without my consent I decided to close my account. As time passed by I get a call from Credence resource management, who is the collecting agency for the original creditor XXXX XXXX. They basically was harrassing me to pay this outrages amount and the whole time I am saying I do not owe this money as it was already paid and closed. I till this day get calls. I recently disputed this agency with XXXX as it shouldnt be in my credit report. Although my dispute was just updated and not removed I put in another dispute today as it needs to be removed. I have called XXXX XXXX and no one cant help me because I need a passcode which I dont remember as it happened a few years ago. I am currently live also in another state and this happened when i lived in New york. I moved to care for my mom who is currently ill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 2025-03-06 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. 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 2025-03-06 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: IL

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/year>XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all 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
Consumer complaint received 2025-03-06 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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 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 2025-03-06 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My complaint is still regarding no explanation of why my account was not credited the cash back award of {$46.00} which mysteriously disappeared? Comenity accounting figures do not add up and who authorized the redemption amount of {$47.00}? I did not. XXXX still has not provided a credible answer to this question? 

Comenity Bank 's response so far has been nothing more than gaslighting. The credit that is mentioned of {$47.00} on " XX/XX/XXXX '' ( A ) statement is posted after this situation became an objection to the interest charges of {$150.00}. The {$47.00} cash back award was not authorized for redemption by me. The posting date is also out of sequence. 

The XXXX, XXXX statement ( B ) lists a current cash balance reward in the amount of " {$34.00} '' with a payment due XX/XX/XXXX. Where did the " {$47.00} '' amount come from? 

The XXXX statement ( C ) with payment due on XX/XX/XXXX shows a current cash balance reward of " {$46.00} '' to be redeemed. I redeemed this amount including payment of " {$11000.00} on XX/XX/XXXX which was posted on XX/XX/XXXX. 

The statement credit of " {$47.00} does not appear or posted until the closing statement ( D ) on XX/XX/XXXX with payment due on XX/XX/XXXX. 

If my cash back award was " {$34.00} '' statement ( F & A ) for XX/XX/XXXX but increased to " {$47.00} '' based on the credits listed on the Cash Back Activity summary using the amounts listed does not add up to " {$47.00} '' for the XX/XX/XXXX statement credit. 

To me this appears to be a case of attempted extortion and exploitation to gain {$150.00} in interest although I paid my account in full. ( G ) XXXX XXXX XXXX XXXX has received over XXXX complaints against Comenity Bank. Although I do not know the outcome of those complaints that is a pretty significant number. 

I did not apply for the Comenity Bank card, this was a change in credit card companies by another company is how I ended up with this card. I made my monthly payments on time and was never late. 

I will be contacting the company that represents the name on this card to inform the CEO of this horrible experience. Since the company is in the business of providing services to consurmers in my age bracket Comenity has my personal information and knows my age. 

I have been responsible and paid my account in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: NC

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. ''

Company response to consumer: Closed with explanation