vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-04-11 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: NC

Complaint narrative:
I am submitting this formal personal statement to the Consumer Financial Protection Bureau regarding my identity theft case, documented in FTC Identity Theft Report # XXXX. This statement serves as both an assertion of my consumer rights and a demand for immediate and permanent action regarding fraudulent items reported to consumer credit reporting agencies. 

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681c-2 ( Blocking of information resulting from identity theft ) and 15 U.S.C. 1681i ( Reinvestigation of disputed information ), I am legally entitled to : Have any information resulting from identity theft blocked from my credit report upon submission of an identity theft report. 
A reasonable reinvestigation of all disputed items, and for inaccurate, incomplete, or unverifiable information to be deleted from my credit report. 
Protection from continued re-reporting of the same fraudulent information once it has been formally disputed. 

I have submitted an official identity theft report, certified under penalty of perjury, detailing several unauthorized accounts fraudulently opened in my name, including but not limited to : XXXX XXXX XXXX XXXX Fraudulent auto and personal loans ( Accounts # XXXX and # XXXX ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX Fraudulent rental debt ( Account # XXXX ) XXXX XXXX XXXX XXXX XXXX utility account ( Account # XXXX ) XXXX Fraudulent federal student loan ( Account # XXXX ) These accounts represent identity theft events that have caused severe harm to my credit and personal reputation. In light of multiple widespread data breaches that have compromised consumer information across major institutions, I demand the full and immediate enforcement of FCRA protections without delay. 

Additionally, all three nationwide consumer reporting agenciesEquifax, Experian, and TransUnion also including XXXX XXXX, XXXX, XXXX XXXX, XXXXare  obligated under federal law and their own publicly stated policies to : Permanently remove fraudulent information when presented with an FTC Identity Theft Report ; Cease reporting of disputed information while under investigation ; Provide the consumer with written results and a free copy of the report if the dispute results in a change. 

Failure to act in accordance with these laws and policies may result in legal action. 
I request the immediate removal and permanent blocking of all fraudulent, inaccurate, and unauthorized accounts listed in my reports to all credit bureaus. I also request confirmation of receipt and compliance in writing. 

Thank you for your attention and for upholding the rights of consumers like myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this formal personal statement to the Consumer Financial Protection Bureau regarding my identity theft case, documented in FTC Identity Theft Report # XXXX. This statement serves as both an assertion of my consumer rights and a demand for immediate and permanent action regarding fraudulent items reported to consumer credit reporting agencies. 

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681c-2 ( Blocking of information resulting from identity theft ) and 15 U.S.C. 1681i ( Reinvestigation of disputed information ), I am legally entitled to : Have any information resulting from identity theft blocked from my credit report upon submission of an identity theft report. 
A reasonable reinvestigation of all disputed items, and for inaccurate, incomplete, or unverifiable information to be deleted from my credit report. 
Protection from continued re-reporting of the same fraudulent information once it has been formally disputed. 

I have submitted an official identity theft report, certified under penalty of perjury, detailing several unauthorized accounts fraudulently opened in my name, including but not limited to : XXXX XXXX XXXX XXXX Fraudulent auto and personal loans ( Accounts # XXXX and # XXXX ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX Fraudulent rental debt ( Account # XXXX ) XXXX XXXX XXXX XXXX XXXX utility account ( Account # XXXX ) XXXX Fraudulent federal student loan ( Account # XXXX ) These accounts represent identity theft events that have caused severe harm to my credit and personal reputation. In light of multiple widespread data breaches that have compromised consumer information across major institutions, I demand the full and immediate enforcement of FCRA protections without delay. 

Additionally, all three nationwide consumer reporting agenciesEquifax, Experian, and TransUnion also including XXXX XXXX, XXXX, XXXX XXXX, XXXXare  obligated under federal law and their own publicly stated policies to : Permanently remove fraudulent information when presented with an FTC Identity Theft Report ; Cease reporting of disputed information while under investigation ; Provide the consumer with written results and a free copy of the report if the dispute results in a change. 

Failure to act in accordance with these laws and policies may result in legal action. 
I request the immediate removal and permanent blocking of all fraudulent, inaccurate, and unauthorized accounts listed in my reports to all credit bureaus. I also request confirmation of receipt and compliance in writing. 

Thank you for your attention and for upholding the rights of consumers like myself.

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 2025-04-11 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NY

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report that involve both XXXX XXXX, located at 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the credit bureau Experian. The way my payment history is being reported has adversely affected my credit score. Despite my account being paid off and closed, I have noticed multiple issues that require immediate investigation and corrective action. 

Disputed XXXXssues Include : 1. Inaccurate Late Payment Reporting : My credit report shows XXXX late payment entries after numerous months of on-time payments. These entries are harming my credit payment history. When I requested a goodwill adjustment due to the account being paid off and closed, my request was denied, forcing me to look more closely at the data. 
XXXX. Conflicting Payment Status Information : Upon further review, I discovered that the current payment status is being reported inconsistently : XXXX credit bureaus list the account as having a XXXX late payment status, while the third bureau reports the status as as agreed. I do not understand this discrepancy, as it creates confusion about the true status of my account. 
XXXX. Request for Correction : I request a thorough investigation into these inaccuracies and that XXXX XXXX and Experian update my payment history accordingly. Specifically, I ask that all incorrect XXXX late payment entries be reviewed and corrected. Additionally, if there are any XXXX late payment statuses incorrectly recorded during these months, I request that these be updated to PAANL, as appropriate, to reflect the accurate status of my account.

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 2025-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
The transaction in dispute, far as I know has already completed on the scheduled date, XX/XX/XXXX in the amount of {$740.00} Because when all of my payments do complete, I receive an email of confirmation with a confirmation #. Financer, " Santander XXXX, XXXX '' says that the payment was returned. And I never saw it back in my account. Now they are charging me with a miscellaneous fee of {$30.00} out of the blue because of a payment that would've remained in my account 's total balance if they had never gotten it. So I asked for the confirmation for the completed payment since it never completed on the day i received confirmation through email. And I still never received another confirmation. So right now they're looking like crooks. Intrest rate APR of 29.99 % +the amount financed ( {$24000.00} ) by the time i finish paying I'll be done paid {$53000.00} and including the trade in an down payment = {$4600.00} =For a grand total of {$58000.00} Alright, I'm trying to get them to understand that it's not me actually making all of these payments. My dad has been helping me. but cant co sign because he's been in bankrupt for over XXXX years. and I really would like to request for a lower payment per month due to my financial situation. Ill have another job soon. But they are like, it's too early. And I'm understanding that, I also know that unexpected things occur the sometimes we have no control over. This is how I see it, if they're not willing to grant relief of hardship assistance. And they do come to repossess the car, the only thing they'll be able to do with it is take it to the scrap yard. And I'll carry that debt to the grave. And work getting paid under the table for the rest of my life and still die happy with or without a car. All I need is relief. I have my bank statements of every payment that was made so far. and I'd like to keep the car to be honest. So I just need more time to get a job, and I'll have another job not too many days after you read this complaint. My circumstances surrounding my job search are tough, I just done XXXX  years in XXXX. Got out XX/XX/XXXX. I'd greatly appreciate it if you may be of some assistance because I'm starting to feel like my back is being pushed against the wall. Thank you. God bless you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NJ

Complaint narrative:
Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the information listed below on my credit report. The disputed items are inaccurate, outdated, or do not belong to me. Please investigate and delete or correct these entries under my rights provided by the Fair Credit Reporting Act ( FCRA ). 

Enclosed are copies of my identification and proof of address to assist with the investigation. 

Disputed Accounts XXXX & XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX / XXXX XXXX Reason : I do not recall this debt and was never notified. No documentation was provided. Please verify its accuracy or remove it. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Reason : This account is unfamiliar to me. I never had an account with XXXX or XXXXXXXX XXXX 

XXXX. XXXX  XXXX Auto Finance Reason : Account is marked as paid in full but also listed as charged off. Please clarify and remove derogatory remarks. 

XXXX. XXXX XXXX Reason : A XXXX late payment is reported in XX/XX/XXXX, but I made payments on time. Please verify. 

XXXX. XXXX XXXXXXXX XXXX XXXX  Reason : Account shows a history of late payments before it was closed. I paid the loan as agreed. Please remove inaccurate payment history. 

XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX : This loan was paid and closed in good standing. A XXXX late payment is inaccurately reported. 

XXXX. XXXX XXXX XXXX  XXXX : A XXXX late payment in XX/XX/XXXX is reported, but my records show I paid on time. 

XXXX. XXXX  XXXX ( ending in XXXX ) Reason : The account is active, but includes prior delinquencies that were due to billing issues and have since been resolved. Please remove negative history. 

Please complete your investigation and send me written confirmation of the results within XXXX  days. If the items can not be verified, they must be deleted. 
I have made numerous attempts with the credit agencies and my request have been ignored. Please help. I would appreciate your time to look through these for me because at this point, I dont know what to do. Ive tried all I can. Thank you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within XXXX days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Consumer Financial Protection Bureau po box 27170 Washington , DC 20038 Subject : FCRA and FDCPA Complaint Request for Full Deletion of Credit File Information To Whom It May Concern, I am writing to file a formal complaint against all three major credit reporting agencies for failure to safeguard my personal information and for reporting unverifiable and unauthorized data on my credit profile. 

As a victim of identity exposuredue to my information appearing on the dark webI no longer consent to the reporting of any financial activity under my name. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting assistance in enforcing my right to have all data removed and to prevent further harm resulting from the misuse of my information. 

I request the CFPB ensure compliance by all data furnishers and consumer reporting agencies involved in reporting this information. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/year>

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 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was XXXX sent a XXXX XXXX mailed letter- I received- XX/XX/XXXX XXXX the letter was said sent on Bank of America XXXX XXXX The letter in evidence in my CFPB XXXX Stated Bank of America WAS XXXX XXXX XXXX XXXX XXXX / EARLY WARNINGS as well as a XXXX XXXX XXXX Bank of America stated in this XXXX XXXX this MAY AFFECT XXXX XXXX DESTROY MY XXXX MY REPUTATION XXXX NOT BE ALLOWED TO WRITE A XXXX ALSO ( STOP ME FROM- FROM BEING ALLOWED TO EVEN OPEN A CHECKING ACCOUNT ANYWHERE AT ANY BANK FOR-up to 5 years. ) on XX/XX/XXXX XXXX Bank of America management agreed - per evidences- I WAS DEFRAUDED- BY MY AUTO ins co- KINDLY XXXX XXXX per XXXX evidences ( a sworn statement-of what all_ I had a RIGHT TO EXPECT as bank Of America themselves as aforsaid ( Agreed by XXXX XXXX ALLOWED BOA TO STUDY READ REVIEW ( allowing XXXX plus hours SPONSORED AS WELL AS KINDLY ALLOWING ME TO REMAIN IN BOA BRANCH AFTER THE BOA BRANCH LOCKED- doors to public, to XXXX to, finalize a ( as said 11 day Minimum RECORDED INTO BOA RECORDS A FRAUD INVESTIGATION- Unfortunately per evidences at, my auto insurance co, NAMED XXXX, in evidences Bank of America XXXX XXXX fraud investigation XXXX on XX/XX/XXXX XXXX 2019 XXXX that I understand being boa XXXX XXXX XXXX XXXX allowed after hours on XX/XX/XXXX XXXX Late XXXX XXXX XXXX timing scrambled jets I HAVE RECORDS- promise unkept- to pay for this XXXX fraud- forget them- my question is WHY WILL EVERY BANK SAY WELCOME XXXX XXXX your banking history is EXCELLENCE PERIOD- not once as my mom had to sign on XXXX XXXX check account WHY AT XXXX XXXX XXXX she had too. I never per evidences ever bounced a check never ever was threatened- NEVER IM NOW GOING TO BE XXXX and farthermore I CAN PROVE BY MY FINANCIAL STATMENT CPA CERTIFICATION I HAVE - prefet records in handling XXXX millions XXXX though several or many banking accounts at the same time And never ever- bounced XXXX check much less - OVERDRAFT XXXX account- THE BOA BRANCH LOCKED DOORS TO PROVE TO INVESTIGATE WHY BOA ALLOWED XXXX TO OVERDRAW MY ACCOUNT - BOA THEMSELVES BOA MANAGERS AGREED- why? By XXXX XXXX evidence I WAS DEFEAUDED - no where in Bank of Americas own managers ALOWED SWORN STATEMENT DID IT EVER IMPY THAT I WOULD BE THREATNED- no I was by boa management THE CONSUMER FRAUDED- In this portal - is evidence downloaded many times sure called ( seemingly a duplicate. ) well Read XXXX Bank of America DID NOT STOP WITH THE XXXX XXXX THREATENING- no indeed and its in This CFPB In may- its A FEDERAL & criminalized by passed legislation to THREATEN AMYONES REPUTATION period - Bank of America went much farther

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 2025-04-11 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: United Consumer Finance, Inc.
State: MA

Complaint narrative:
I am formally disputing the accuracy and legality of a reported auto loan account from XXXX XXXX XXXX ( Account # : XXXX ) on my credit report. 

This account shows a charge-off status with a past due balance of {$6600.00} as of XX/XX/XXXX, with repeated " CO '' notations ( charge-off ) dating back to XXXX. However, this vehicle was involved in an accident, and the balance was paid off in full by the auto insurance provider, which should have satisfied any outstanding debt. The account should be reporting a {$0.00} balance or not at all. 

In addition to that : I have no recollection of authorizing XXXX XXXX XXXX to collect or service this loan. 

There are multiple inaccuracies in the reporting timeline, including wrong or inconsistent dates, statuses, and balances that violate the Fair Credit Reporting Act ( FCRA ). 

This account was supposedly charged off in XX/XX/XXXX, but is still reporting as past due in XXXX being settled through insurance years ago. 

The reporting appears manipulative, misleading, and damaging to my creditworthiness during an active mortgage application. 

I also question the legitimacy of this debt entirely, as I have no verified contract or loan agreement with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MI

Complaint narrative:
Upon a recent review of my credit report, I discovered multiple inaccuracies, including unauthorized accounts and erroneous information. These discrepancies have negatively impacted my credit score and, as a result, my overall financial health.

Company response to consumer: Closed with non-monetary relief