vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed multiple hard inquiries that I did not authorize. As I have not applied for credit or made any purchases that would warrant these inquiries, I request that they be removed from my credit report immediately.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, only authorized inquiries should appear on my report. Since I did not grant permission for these inquiries, I am formally disputing them. Please provide proof of my consent for each inquiry or remove them from my credit report.

Failure to remove unauthorized inquiries is a direct violation of the FCRA. If Experian continues to report these inquiries without proper verification, I will be left with no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and take legal action if necessary.

I appreciate your prompt attention to this matter and request a written confirmation once these inquiries have been removed.

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 2025-03-15 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 recently reviewed my credit report and noticed multiple hard inquiries that I did not authorize. As I have not applied for credit or made any purchases that would warrant these inquiries, I request that they be removed from my credit report immediately.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, only authorized inquiries should appear on my report. Since I did not grant permission for these inquiries, I am formally disputing them. Please provide proof of my consent for each inquiry or remove them from my credit report.

Failure to remove unauthorized inquiries is a direct violation of the FCRA. If Experian continues to report these inquiries without proper verification, I will be left with no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and take legal action if necessary.

I appreciate your prompt attention to this matter and request a written confirmation once these inquiries have been removed.

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 2025-03-15 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: OH

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-03-15 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: FL

Complaint narrative:
My information was leaked fo the public and asking all negative information be removed

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 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Please refer to previous claim # XXXX for entire complaint from the beginning. On Thursday XX/XX/year> I called Citibank and tried to negotiate a settlement and explain the root cause of the issue and she refused to negotiate with me. I asked that all late fees and added interest be dropped as the initial cause of the problem was the lack of billing. Last XXXX in the middle of a fraudulent charge investigation they failed to send me not only a statement but an itemized statement. That was a red flag to me as it would be for anyone after all the fraudulent charges that had recently occurred. The statement I received the month after only showed a dollar amount owed without being able to identify the charges. I had spoken to the call center multiple times trying to identify the charges and request an itemized statement which they never sent. At XXXX point the call center rep and I had identified my charges and I made a payment and the agreed to close the account. The call center apparently was unable to understand our conversation. The root cause of this matter has been their lack of billing and lack of communication between the call center, the XXXX XXXX department and other representatives. No one has any idea what had been going on based on all the phone conversations I've had 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 explanation
Consumer complaint received 2025-03-15 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: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating there's no history or reports shown in their end and there may be a problem within their system, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. I request that the CFPB takes action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. I want reported accounts to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: TX

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I found a credit account on my credit report that was open fraudulently. Its the Home Depot/ Citi Bank North America and the account number begins with XXXX ( I have not knowledge of full account number and they could not locate this account using my SSN ). I have already reported this to identity theft and police. Actually, a policeman from out of city of XXXX called me that my driver license was stolen with case number XXXX. Actually, I requested dispute from XXXX but they refused to remove this record.

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 2025-03-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have had this account for almost 3 years, and they started charging me statement fees and did not notify me. 

Also, I am on auto pay and get account updates less often as I see the payment go automatically through my bank.

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 2025-03-15 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: NJ

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Investment Retrievers, Inc.
State: TX

Complaint narrative:
Unauthorized charges were made using my bank account info. They were contacted via email with the issue. Have not received or heard anything back from them. 







XXXX XXXX : ( XXXX ) XXXX XXXX F : ( XXXX ) XXXX XXXXXXXX XXXX XXXX # XXXX CA XXXX # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I recently became aware of unauthorized access to my student loan data, which I believe may have occurred when XXXX XXXX Department of Government Efficiency ( DOGE ) accessed Department of Education systems. This occurred in early XXXX of XXXX. This access included personal financial information of over 42 million borrowers. 

Subsequently on XX/XX/XXXX a federal judge issued a restraining order blocking DOGE from accessing sensitive data maintained by the U.S. Department of Education citing violations of the Privacy Act of XXXX ; however, the data has already been breeched and accessed by the unauthorized party. 

My total loan amount is {$5900.00}, and I question the validity of my remaining loan balance following this potential breach. I have not been notified by my loan servicer or the Department of Education about this breach, which I find extremely alarming. I do not trust the current department or my servicer to handle my loan data securely. 

I am requesting that this matter be investigated to confirm that my account details are correct and to ensure that my data is properly protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: Kriya Capital, LLC
State: IL

Complaint narrative:
in accordance with Fair Credit Reporting act. The list of accounts below has violated my federally. protected consumer and confidentiality under 15 USC 1681.CREDENCE RESOURCE MANA : account # XXXX XX ALL HAVE VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 2 A. STATES I HAVE RIGHTS 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 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: NJ

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: PA

Complaint narrative:
I am submitting this complaint regarding my student loans, as I have recently experienced a significant personal secrtuity due to an incident involving Department of Government Efficiency ( DOGE ) DOGE has gain access to multilple internal systems within the Department of Education, including my financial aid dataset that contains personal information - non consented. My information was compromised. 

I appreciate your time and look forward to your response. 

Sincerely, Sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
At the end of XX/XX/XXXX we requested a title transfer from XXXX XXXX XXXX through TD Auto Finance. Throughout XXXX we called them at were told it would take approximately 30 days. On XX/XX/XXXX the XXXX XXXX XXXXXXXX XXXX XXXX mailed out a paper title to TD Auto Finance 's XXXX branch. We called repeatedly throughout XXXX and now XX/XX/XXXX. The responses TD Auto ranged from " should only be a few more days '' to " it should be in transit try back in a week or two ''. We tried to go through their escalation system but both of the " escalations '' required a waiting period of several days. We call TD Auto almost weekly for status updates, but have only been told to wait and have not been offered any resolution. We even requested that they ask the XXXX  XXXX for a second copy as the first was " lost ''. They informed us that they had, but in confirming that they did indeed request a copy the XXXX XXXX informed us that TD Auto had not requested a second copy. 

In the pursuit of obtaining our title, we have contacted the XXXX XXXX and ensured that they have sent the title, however, they informed me that they have only been contacted by TD Auto once to request the title and no other times since the request. 

Because this process has exceeded the timeline of 30 days our vehicle temporary tags have since expired and we can no longer use the vehicle. 

We have tried to contact TD Auto through their message center to get written documentation of these facts, however they will not give any information and request a call. 

We pay our loan on time and have never missed a payment. Our account is in good standing and a statement is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
The accuracy of charge-off account ( XXXX ) is being disputed due to discrepancies identified across major credit reporting agencies. Despite previous requests for clarification, complete and satisfactory responses have not been provided. Therefore, the following documentation is requested : Charge-off details, including confirmation of the official date of charge-off and a complete breakdown of the balance owed. This should include any deductions from the auction sale of the property or any redeemed capital applied to this account. Additionally, clarification is requested on whether any tax benefits were claimed as a result of the charge-off, and if applicable, a copy of IRS Form 1099-C is requested. 
Ownership and chain of title documentation verifying whether the debt has been transferred, sold, or securitized into a trust since delinquency. If transferred, a full chain of title, including all assignments and sale agreements, is requested. 

Furthermore, under the Consumer Financial Protection Bureau Consent Order XXXX, XXXX  XXXX  XXXX  XXXX was found to have furnished inaccurate account information to credit reporting agencies, including misrepresenting whether accounts were open or closed and whether consumers were still obligated to make future payments. The CFPBs findings concluded that XXXX failure to report accurate charge-off details, including the date of first delinquency, could result in negative information being reported longer than legally permitted, causing harm to consumers ' credit profiles. The consent order requires XXXX  to ensure that it furnishes only accurate information and correct all prior misreporting. In contrast to this my dispute, XXXX  has not held its duties as data furnishers and the consent order by regulatory authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: LA

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 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