vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The personal information being reported on my credit report is not 100 % accurate. I only have XXXX name and spelling and XXXX address. My name is XXXX XXXX and I reside at XXXX XXXX XXXX XXXX XXXX XXXX. Any other names or addresses are inaccurate or no longer valid and must be permanently deleted from the credit report. Otherwise I can not be properly identified by banks and other institutions. I have already tried to resolve this issue and it seems that I was not heard. I have attached a copy of my identification for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: NJ

Complaint narrative:
The personal information being reported on my credit report is not 100 % accurate. I only have XXXX name and spelling and XXXX address. My name is XXXX XXXX and I reside at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Any other names or addresses are inaccurate or no longer valid and must be permanently deleted from the credit report. Otherwise I can not be properly identified by banks and other institutions. I have already tried to resolve this issue and it seems that I was not heard. I have attached a copy of my identification for reference.

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 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I went through a situation today that is hard to understand from a common sense perspective and a customer service perspective. I opened a bank account last Friday with TD bank and attempted to deposit my payroll into this account. Today i was not paid and after constant discussion with TD Bank i was told that not only was my account flagged last week for identity fraud but my payroll was also returned to my job the day before i called. TD Bank sent no correspondence about any of this and if i had not called i would not have known anything. I asked them to send me correspondence explaining all of this and they informed me that they couldnt. I was informed that i would not have known the account was flagged until i tried to use it which is the most absurd thing Ive heard regarding banks and money. I cant know my bank account doesnt work until i actually try to deposit a large paycheck into it? Insanity. Due to this issue i am missing a huge amount of my paycheck and now i have to return to my employer and get them to do an emergency deposit to my main checking account for the remaining amount which only delays me paying my bills and such even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TX

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.

Account Name : XXXX XXXX XXXX XXXXXXXX 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with 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 2025-01-11 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: WV

Complaint narrative:
i received a copy of my credit report and realized this company is reporting fraudulent inaccurate information on my credit report. i have requested that they provide the agreement where i signed for this to report on the behalf of my credit, and to verify that this late payment is accurate i am asking for full validation of this debt that this debt belongs too me, i have read about the fair credit reporting act where by law, that i have the right to challenge anything innacucurate, i ask that they send the aggreement to show full ownwership to see if this account belongs too me. i ask for deletion of these inquiries from my report asap please EQUIFAX : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have an account with XXXX XXXX and can see there are numerous items in collections that I have no association with. There are XXXX different companies but XXXX different accounts between them. XXXX with XXXX XXXX XXXX with differing balances of $ XXXX, XXXX and XXXX and information between transunion and XXXX and XXXX with XXXX XXXX XXXX  for {$3000.00} and XXXX. 

I would like to see my signature on any contract with those companies names on 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 2025-01-11 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: NY

Complaint narrative:
Since XX/XX/year>, I discovered multiple unauthorized inquiries on my credit report. These inquiries were made without my knowledge or consent. Upon noticing this activity, I promptly contacted the companies responsible for the inquiries, as well as the credit reporting agencies, to report the issue. 

After explaining the situation, the companies and credit agencies advised me to file a police report as part of the process to dispute and resolve the fraudulent activity. I have taken steps to protect my credit, including placing fraud alerts on my accounts. However, I need assistance in addressing these unauthorized inquiries and ensuring that my credit report accurately reflects only legitimate activity. 

Please let me know if further details or documentation are required to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: NY

Complaint narrative:
Since XX/XX/year>, I discovered multiple unauthorized inquiries on my credit report. These inquiries were made without my knowledge or consent. Upon noticing this activity, I promptly contacted the companies responsible for the inquiries, as well as the credit reporting agencies, to report the issue. 

After explaining the situation, the companies and credit agencies advised me to file a police report as part of the process to dispute and resolve the fraudulent activity. I have taken steps to protect my credit, including placing fraud alerts on my accounts. However, I need assistance in addressing these unauthorized inquiries and ensuring that my credit report accurately reflects only legitimate activity. 

Please let me know if further details or documentation are required to assist in resolving this matter.

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 2025-01-10 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Dealing with provider of income share agreement
Company: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
In XX/XX/year>, I mailed a signed rejection letter to Launch Servicing regarding my payment agreement under the XXXX XXXX settlement. I was told by their representatives that I did not need to make any payments while this issue was being reviewed. Despite multiple follow-up calls over the past XXXX months, the rejection letter has not been reviewed or assigned for resolution. As a result, my account is now reporting late payments to credit agencies, which is damaging my credit score. I have repeatedly requested updates, but each time I am asked to wait with no clear timeline for resolution. This delay has caused financial harm, and I am seeking immediate action to stop negative credit reporting and resolve this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> SS # XXXX XXXX Consumer Solutions XXXX XXXX XXXX, XXXX XXXX TX XXXX Consumer Statement : I am writing to dispute the accuracy of the below items as it does not pertain to any transaction made by me. This information is the result of identity theft, and I request that it be promptly removed from my credit report to prevent further harm to my financial standing with respect to the FCRA 15 USC 1681 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 605B & Permissible purposes of consumer reports Fraudulent and Inaccurate Personal Information XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Va XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX XXXX XXXX XXXX, Fl XXXX Fraudulent Accounts in Collections XXXX XXXX XXXX XXXX Account # XXXX Fraudulent Closed Accounts XXXXXXXX XXXX  Account XXXX XXXX XXXX. XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of appropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) that the information may be a result of identity theft ; that an identity theft report has been filed ; that a block has been requested under this section ; and of the effective dates of the block.

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 2025-01-10 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> SS # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX TX XXXX Consumer Statement : I am writing to dispute the accuracy of the below items as it does not pertain to any transaction made by me. This information is the result of identity theft, and I request that it be promptly removed from my credit report to prevent further harm to my financial standing with respect to the FCRA 15 USC 1681 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 605B & Permissible purposes of consumer reports Fraudulent and Inaccurate Personal Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Accounts in Collections XXXX XXXX XXXX XXXX Account # XXXX Fraudulent Closed Accounts XXXXXXXX XXXX  Account XXXX XXXX XXXX. XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of appropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) that the information may be a result of identity theft ; that an identity theft report has been filed ; that a block has been requested under this section ; and of the effective dates of the block.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: IN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: WY

Complaint narrative:
I bought this vehicle, and its funny sales people will do anything to get you into a vehicle. I wish I would have researched credit acceptance before I signed the contract. By the time Im done paying this vehicle it will be XXXX The interest is so high

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 2025-01-11 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I went to buy a new vehicle and they used my credit without my consent

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 2025-01-11 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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute Regarding Unlawful Negative Items on Credit Report I am writing to formally dispute the negative items that have been placed on my credit report by Experian, which I believe were reported unlawfully and without my consent or a written agreement. 

Upon reviewing my credit report, I noticed several negative entries that I do not recognize and were not authorized by me. These entries have had a detrimental impact on my credit score and overall financial standing, which I believe is both unfair and in violation of the Fair Credit Reporting Act ( FCRA ). 

I am requesting an investigation into these items and a thorough review of the documentation that Experian has regarding these entries. Specifically, I seek to understand how these negative reports were generated and to confirm that proper authorization was obtained prior to their placement on my credit report. 

Under the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. I have taken the necessary steps to contact Experian directly regarding this matter but have not received a satisfactory resolution. Therefore, I am reaching out to the CFPB to assist in rectifying this issue. 15 U.S.C. 1681 Thank you for your assistance. 

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 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-10 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: CA

Complaint narrative:
Its really frustrating to know my credit score has been suffering because of accounts that arent even mine. Its been weighing on me for a while, and I cant help but wonder what opportunities Ive missed because of it.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I kindly ask for your help to investigate accounts from companies incorrectly reporting late payments. When I was laid off, I requested that these payments be forgiven, and they agreed, but they are still listed as late. I have contacted them multiple times without receiving any updates, so I am reaching out to you as a last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MD

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 100
2 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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