vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-05-07 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: MS

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-05-07 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:
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 2025-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
My mother co-signed for my auto loan in XXXX of XXXX. My mother then told me in XX/XX/XXXX that she would need to file for XXXX XXXX bankruptcy. At this time my lender Santander Consumer USA stopped sending me any notifications as a policy whenever someone files for bankruptcy. I've placed my cr payments in a separate savings account waiting for Santander to send me documents to reaffirm the debt. I never received any said documents. 
When I called Santander on XX/XX/XXXX to make the payment of the past due balance in order to bring the account current, it was at this time Santander repossessed my vehicle. I made numerous calls to Santander at XXXX to try to resolve this issue, but they told me due to the bankruptcy filing ( the final court decision was made on XX/XX/XXXX - once again no documentation was sent to me ) the Only form of payment I could make to get my vehicle back would be for the entire loan amount ( over {$30000.00} )! 
Thier automated system allowed for me to take care of the past due balance to bring my account current on XX/XX/XXXX, but then my call was re-directed to a manger in their finance dept. as well as someone from their bankruptcy dept. and I was given the run around, although that both admitted that due to the bankruptcy flag on the account, they were not responsible to inform me of anything. 
My vehicle is scheduled for auction on XX/XX/XXXX. I'm only trying to resume my payments with suntander and have them correct the error they created. I hope you can help me with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MI

Complaint narrative:
Dear CFPB, I am writing to express a concern regarding the credit reporting practices of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) in relation to a charged-off account originally opened under my name. 

This account was charged off nearly a year ago, and at the time, I understood that the account would no longer continue to accrue late payment marks. However, I have noticed that XXXX XXXX XXXX has continued to report the account as late in the months following the charge-off, which I understand it is inconsistent with standard credit reporting guidelines. 

More recently, I discovered that the institution has re-aged the account and updated the reporting to include new derogatory remarks rather than accurately reflecting the original charge-off status and timeline. This action appears to alter the true age and nature of the delinquency, potentially extending the negative impact on my credit report beyond what is fair or accurate. 

I respectfully request the Bureaus assistance in reviewing this matter. I am seeking clarification and, if appropriate, correction of any reporting that does not comply with the Fair Credit Reporting Act ( FCRA ) or other applicable regulations. I have attempted to resolve this directly with the institution but have not received a satisfactory explanation or correction. 

Thank you for your time and attention to this matter. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FMA Alliance, Ltd.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX Date : XX/XX/XXXX FMA Alliance , Ltd . 
XXXX XXXX XXXX. 
XXXX, TX XXXX RE : Cease and Desist Communication Pursuant to 15 U.S.C. 1692c ( c ) Account Number : XXXX and file number XXXX To Whom It May Concern, I am writing to formally notify you that, pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I demand that FMA Alliance , Ltd. cease all communication with me regarding the above-referenced alleged debt. This includes any and all forms of communication, including but not limited to phone calls, letters, emails, or reporting to any credit reporting agencies. 

Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the debt collector to cease further communication, the debt collector must cease communication except to inform the consumer that collection efforts are being terminated, or that specific legal remedies may be invoked.

Credit reporting constitutes a form of communication, as defined in 15 U.S.C. 1692a ( 2 ), which includes conveying information about a debt to any person through any medium. This has been recognized by courts in cases such as : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXXXXXX XXXX XXXX ) : Reporting to a credit bureau was deemed a communication in connection with the collection of a debt. 

See also : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX ) The court acknowledged that credit reporting may be used as leverage in debt collection and can fall within the purview of the FDCPA.

Therefore, any attempt by FMA Alliance , Ltd. to report or continue reporting this alleged debt to credit reporting agencies after receipt of this cease and desist letter may be considered a violation of federal law, and I reserve the right to pursue legal remedies accordingly, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or initiating civil litigation under 15 U.S.C. 1692k, which allows for statutory damages, actual damages, costs, and attorneys fees.

You are further instructed to : Provide no further contact or communication, written or otherwise.

Cease any and all credit reporting or furnishing of information to any consumer reporting agency regarding this alleged debt.

Provide written confirmation within 10 business days of receipt of this letter that all communication and reporting efforts have ceased.

This letter serves as formal notice. Retain a copy for your records. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Early Warning Services, LLC
State: OK

Complaint narrative:
I am writing this complaint to request my consumer report. 

Upon reviewing my credit report file with XXXX XXXX, and XXXX  there is incorrect information you are furnishing to them. This is my attempt at fixing this problem. 

I want to ensure the information in my file is accurate and complete. I request that you promptly provide me with a complete consumer report. 

Please ensure that the information you are reporting is complete and accurate. If the information is not I request you verify and provide the source. If you do not this will escalate into a small claims suit. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CBC Companies, Inc.
State: OK

Complaint narrative:
I am writing this complaint to request my consumer report. 

Upon reviewing my credit report file with XXXX XXXX, and XXXX  there is incorrect information you are furnishing to them. This is my attempt at fixing this problem. 

I want to ensure the information in my file is accurate and complete. I request that you promptly provide me with a complete consumer report. 

Please ensure that the information you are reporting is complete and accurate. If the information is not I request you verify and provide the source. If you do not this will escalate into a small claims suit. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: NJ

Complaint narrative:
On XX/XX/year>, I requested cancellation of my XXXX XXXX account because I did not want or need the service. I had enough funds in my bank account to pay my rent directly and did not authorize any loan. On XX/XX/year>, I received written confirmation from XXXX XXXX support ( Request # XXXX ) stating that my account was successfully canceled. 

Despite this, on XX/XX/year>, the company withdrew {$710.00} from my account. This included a {$20.00} enrollment fee and a {$25.00} subscription fee. These charges were unauthorized, as I had canceled the account and never agreed to use the service. This action violates federal law under the Electronic Fund Transfer Act ( Regulation XXXX ), which prohibits unauthorized XXXX withdrawals. 

Although the funds were sent to my landlord, I did not consent to the service, nor to paying any fees for it. I chose not to reverse the payment immediately because doing so would create a risk of non-payment or penalties with my landlord, even though I had already budgeted the full rent myself. 

I contacted XXXX XXXX several times via phone and email. I was told by phone on XX/XX/XXXX that a supervisor would call me. I followed up again on XX/XX/XXXX and was promised a return call within XXXX hours ( Request # XXXX ), but I never received it. To this day, I have not received any confirmation that the account is closed or that further charges will stop. 

A second payment of {$280.00} is scheduled to be withdrawn on XX/XX/year>. I do not authorize this charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-07 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
Good day! Upon reviewing my latest update, I've noticed that numerous fraudulent items have been successfully removed, for which I'm sincerely grateful. However, I would like to kindly request once more for Experian Credit Bureau to remove the remaining fraudulent entries from my credit report. Below, I've listed the remaining fraudulent items that I would appreciate being addressed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
Good day! Upon reviewing my latest update, I've noticed that numerous fraudulent items have been successfully removed, for which I'm sincerely grateful. However, I would like to kindly request once more for Experian Credit Bureau to remove the remaining fraudulent entries from my credit report. Below, I've listed the remaining fraudulent items that I would appreciate being addressed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> 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 2025-05-07 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Unauthorized Hard Inquiry on Credit Report Immediate Removal Demanded To Whom It May Concern, I am writing to formally dispute a hard inquiry that your dealership, listed as XXXX XXXX XXXX and/or XXXX XXXX XXXX , placed on my credit report. This inquiry appears on my credit file without my authorization, consent, or any legitimate application submitted by me.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, hard inquiries may only be made under specific permissible purposes, including when a consumer has initiated a credit transaction and given express written or verbal authorization. I have done neither. I have not applied for financing with your dealership, nor have I ever authorized your company to access my credit report.

In addition to the inquiry being unauthorized, it has now remained on my credit file for 24 full months, past the point where it may impact my score, but still damaging to my creditworthiness in the eyes of lenders. Its presence continues to harm my ability to secure fair financial opportunities, and its origin remains unlawful. 

I hereby demand the following : Immediate deletion of the unauthorized inquiry from all three credit bureaus ( XXXX XXXX XXXX XXXX ).

A copy of any signed credit application or documented proof of authorization that you allege justifies the inquiry.

Written confirmation that the inquiry has been removed and that no further unauthorized actions will occur.

Should you fail to respond within 15 calendar days or provide sufficient evidence of authorization, I will file formal complaints with, the Texas Attorney Generals Office, and may pursue legal remedies for willful and/or negligent noncompliance under 15 U.S.C. 1681n and 1681o.

This is your formal notice to take immediate corrective action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XX/XX/year> -Experian XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> -Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> -Experian XXXX XXXX XXXX  XX/XX/year> -- Experian XXXXXXXX XXXX XXXXXX/XX/year> Experian

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 2025-05-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Subject : URGENT Fraud Dispute & Removal Request Under FCRA and Florida Identity Theft Law To Whom It May Concern, I am writing to formally dispute several accounts and inquiries listed on my Experian credit report. These entries were fraudulently opened without my knowledge or consent. I am a victim of identity theft, as outlined in Florida Statute XXXX and the Fair Credit Reporting Act ( FCRA XXXX ). 
Please investigate and permanently remove or block the following accounts and inquiries : Collections ( Unauthorized Accounts ) XXXX XXXX XXXX {$270.00} Opened XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) {$280.00} XXXX XX/XX/XXXX Credit Cards XXXXXXXX XXXX {$1200.00} XXXX XX/XX/XXXX Closed Student Loans XXXX XXXXXXXX XXXX ( All Fraudulent ) XXXX {$520.00} Opened XX/XX/XXXX XXXX {$3700.00} Opened XX/XX/XXXX XXXX {$3900.00} Opened XX/XX/XXXX XXXX {$1800.00} Opened XX/XX/XXXX XXXX {$2200.00} Opened XX/XX/XXXX XXXX {$540.00} Opened XX/XX/XXXX Unauthorized Hard Inquiries XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I am not including a copy of the credit report, but I am enclosing a valid Identity Theft Report as defined by the FCRA. Please consider this formal request to block and delete all fraudulent items listed above and confirm completion of this request in writing.

Thank you for your prompt attention. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation