vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: WI

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you ( Credit Reporting Agency ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

I also demand you, ( Credit Reporting Agency ) to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My chime account has been closed for almost 6 months why is it still showing up on my credit report? Why not report correctly? I closed my savings and checking from chime myself so I have no account with them.

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 2025-03-27 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:
Kindly remove the unauthorized accounts from my credit report as soon as possible. I have no connection to these accounts, nor did I authorize them. Per USC 1681g, I am formally requesting their removal within 15 days. I have enclosed supporting documents for your review. Moreover, discrepancies exist as different account details are being reported to each credit bureau.

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 2025-03-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BMW Financial Services NA, LLC
State: CO

Complaint narrative:
I am filing a formal complaint against BMW Financial Services for negligently approving a fraudulent auto loan in my name and refusing to provide evidence to support their claims. 

I have repeatedly informed BMW that this loan was obtained using a fake address, fake income, and a fake jobnone of which are linked to me in any way. Despite this, BMW failed to properly verify the identity of the applicant before approving the loan. If they had conducted due diligence, it would have been clear that I could not have been approved for such a large loan based on my actual income and financial status. 

I have provided both an FTC Identity Theft Report and a police report to BMW as evidence of the fraud. The police report specifically states that I know who the suspects areformer friends of minewho have used my identity to obtain multiple fraudulent loans. I have reported them to local authorities, the FBI, and other agencies for their crimes. I am certain they used my identity again to secure this BMW loan.

BMW claims the loan application came from my IP address, and I have already explained to them that while that may be true, I never applied for this loan. The suspects had access to my personal information and likely submitted the application using my network. However, every detail they provided to obtain the loan was fraudulent, and BMW never properly verified any of it. This is a clear case of negligence.

Additionally, BMW states they have photo proof of me taking possession of the vehicle in Florida, which is an outright lieI was not in Florida at the time. When I asked to see this alleged photo, BMW refused to provide it and told me I would need to hire a lawyer to obtain it. This refusal to disclose evidence raises serious concerns about their handling of this case. 

I have never seen this car, never taken possession of it, and never signed any documents for this loan. BMWs negligence in failing to verify the legitimacy of the application has resulted in severe financial and emotional distress, and I am now being held responsible for a fraudulent loan that they wrongfully approved. 

BMW should be held responsible for this loannot me. I request immediate action to have this fraudulent loan removed from my credit report and for BMW to be held accountable for their failure to properly verify the loan application. I urge your office to investigate this matter and ensure that BMW complies with fair consumer lending and fraud prevention practices. Denying me evidence is a violation of my right and against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report, which I have identified, including incorrect names and addresses. 

The following inquiries were made without my knowledge or consent. Please remove them immediately : XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XX/XX/XXXXXXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/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 2025-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OR

Complaint narrative:
Calls to company were met with unreasonable wait times ( 4-5.5 hours ) with no call back option. One call was transferred and I was hung up on after waiting for 4.5 hours to talk with customer service. I called back at another date, waited two hours, and was disconnected without the call being answered by a person. As of XX/XX/XXXX, a call back option was added by Mohella, but they never called back. 
A customer service representative was contacted finally, and I attempted to find records of all payments made by me for the life of the XXXX XXXX XXXX student loan. This loan was transferred by XXXX to Mohella, but Mohella responded they only had records of payments made since they received the loan. I requested a paper copy of all the activity for the life of the loan, which was taken out in XXXX, and they only sent me loan information from less than a year ( XX/XX/XXXX ). The customer service representative incorrectly said the Federal Student Loan department would have these records and to contact them instead. I have made payments on these loans consistently over the past 20 years, and Mohella reports to only have 5 payments made in the past year. I have applied to the Public Service Loan Forgiveness and have made well over the qualifying payment count to qualify. Information from this company is incorrect and seems purposely prohibitive and financially beneficial to the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 2025-03-27 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: TX

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report as soon as possible. I have no connection to these accounts, nor did I authorize them. Per USC 1681g, I am formally requesting their removal within 15 days. I have enclosed supporting documents for your review. Moreover, discrepancies exist as different account details are being reported to each credit bureau.

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 2025-03-27 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: SC

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report as soon as possible. I have no connection to these accounts, nor did I authorize them. Per USC 1681g, I am formally requesting their removal within 15 days. I have enclosed supporting documents for your review. Moreover, discrepancies exist as different account details are being reported to each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-27 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-27 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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 am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX  XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt XXXX 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX  Date of Inquiry : XX/XX/25 Company That Performed Inquiry : XXXXT Date of Inquiry : XX/XX/25 Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry.

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b6 )

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 2025-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Betterment LLC
State: IL

Complaint narrative:
I requested Betterment on XXXX XXXX2024 to transfer all my accounts to XXXX XXXX who would be new custodian. XXXX XXXX  provided all transfer paperwork as required from Betterment but my account still shows {$330000.00} that has not transferred to this day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received a call from XXXX Tue XXXX25 saying that a loan had been opened under my name. Someone stole my info and used it to get a loan.

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 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
Im writing this regarding XXXX Comenity Bank I open the account and I did sign for paperless statements meaning that I will get an email. I had purchased twice and made the payment both time by calling customer service since I never received a statement. When I called customer service on XX/XX/year>. She informed me that my balance is XXXX XXXX which I know I made purchase for that. I made the payment. Customer service never informed me of any late fees on any information. I also told her I never received a statement. My balance as of today which is XXXX is XXXX of late fees. period I was late for four days and in the letter says that I got email informing me of late {$30.00} fee on XX/XX/XXXX and since the balance was never paid just a cruel interest rate mind you I never get any information from them regarding till a month ago when I received the email saying my balance is past due on my credit history. XXXX and never had it late fees in my life, and I tried to communicate with the bank and XXXX it and they just keep saying that XXXX getting the emails and that I should be paying for it. Today called XXXX bank and their customer service representative her name is XXXX informed me that they dont send any billing statements or any emails. That all their information is on their website thats the only way that they communicate with their customers mind you and I can attach this. I have the letter theyre telling me that the statements are sent to me monthly through my email since I signed up for paperless information so I would like to express that theres many miscommunication between customer service this credit company and what I found out today they changed their name because I called the scammers. Theres also multiple XXXX groups for this bank and people complaining how much interest rate theyre charging everybody else without not sending any statements to the customer. I didnt think this is a legal way of handling credit company, but I would like you to review and let me know what happened I paid today. {$110.00}. Thats all the lowest they can offer me and this was through Tour not from XXXX XXXX  so my balance is not going up but I feel I should not even own {$110.00}. I shouldve been able to pay the {$30.00} fee and be done with this bank forever mind you already closed account and I dont want ever deal with this company in my life and nobody should be able to open account with them if theyre handling all their situation this way, so please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I made a purchase of clothing on XX/XX/25 The clothing was poor quality and did not fit I requested a refund from the merchant The merchant only offered a partial refund and did not want their merchandise I refused the refund filed a dispute with paypal.

Pasypal provided an address to return the merchandise I follwed their instructions They closed the case and denied my refund stating the items were not damaged.

I had already paid to return the items.

I tracked the return and was told by the postmaster the address did not exist.

I chose to use paypal for security on my purchase and now I feel I was robbed.

Company response to consumer: Closed with non-monetary relief