vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-25 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: FL

Complaint narrative:
I recently reviewed my credit report and found an inquiry I do not recognize. I did not apply for credit with this company, nor did I authorize or consent to them accessing my credit file. This unauthorized inquiry is causing me significant stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
The company is taking money out of my retirement pay from dfas to pay back the loan amount. They have been doing this for 9 months. on XXXX XX/XX/year> they posted a 120 day late notice on all my credit reports. I attempted to call them and email them asking them to correct the reports as they have been receiving money. They then on XXXX XX/XX/year> charged off my accounts to a third party creditor and they are still reporting a balance due and 120 days late. This is drastically hurting my credit profile, I have attemted to contact them with no luck. I request the accounts be corrected or deleted in accordance with the FCRA. 

The accreditor for this is AAFES, XXXX XXXX XXXX exchange services. ( 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 2025-06-25 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: PA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer i
s given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove the inaccurate information as you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: PA

Complaint narrative:
URGENT FINAL DEMAND FOR DELETION OF FRAUDULENT AND UNAUTHORIZED ACCOUNTS PURSUANT TO FCRA, GLBA, AND FDCPA To Whom It May Concern, I am issuing this URGENT FINAL DEMAND for the immediate and permanent deletion of multiple fraudulent and unauthorized accounts from my credit file, as required under the Fair Credit Reporting Act ( FCRA ) Sections 605B ( 15 U.S.C. 1681c-2 ) and 1681i ( a ) ( 5 ) ; the Gramm-Leach-Bliley Act ( GLBA ) Section 502 ( 15 U.S.C. 6802 ) ; and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ). These accounts were the result of unauthorized activity stemming from identity theft and/or data breaches. You are legally obligated to DELETE THESE ACCOUNTS IMMEDIATELY. Failure to act within the statutory deadlines will result in formal complaints and legal action. 

Under FCRA Section 605B, any account resulting from identity theft or unauthorized use must be blocked within four ( 4 ) business days of receipt of a consumers written request with proper identity documentation. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), if an item can not be verified with reliable evidence, it must be permanently deleted. These accounts meet both criteria.

The GLBA Section 502 prohibits the disclosure or use of nonpublic personal information without my express consent, which I never provided. Continuing to report these fraudulent accounts also violates FDCPA Section 1692e, which prohibits any false or misleading representation of a consumer debt. 

The accounts to be permanently deleted from my credit file are : XXXX XXXX Account Number : XXXX Status : Fraudulent/Unauthorized Compromised in Data Breach XXXX  Account Number : XXXX Status : Fraudulent/Unauthorized Compromised in Data Breach XXXX XXXX Account Number : XXXX Status : Fraudulent/Unauthorized Compromised in Data Breach I demand that these accounts be blocked within four ( 4 ) business days under FCRA 605B, and permanently deleted from my credit file within thirty ( 30 ) days as outlined in FCRA Section 611 ( 15 U.S.C. 1681i ). I have included a copy of my valid identification to verify my identity as required by law. 

Please confirm in writing that all three accounts listed above have been removed from my credit file. Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and potential legal proceedings under the aforementioned federal statutes. 

Thank you for your prompt attention to this urgent 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 2025-06-25 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: DC

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 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 2025-06-25 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: DC

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 non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX, I completed a XXXX recorded call with a representative to voluntarily surrender my XXXX XXXX XXXX XXXX During this call, I confirmed the vehicles make, model, surrender date, and agreed to the surrender terms. However, one representative spoke to me as if I could not afford the car, saying, " Next time when you get a car, make sure it is one you can afford and is in your pay range. '' This was inaccurate and irrelevant to my decision. I surrendered the vehicle because repair costs exceeded its valueI did not have {$14000.00} to fix the car. I had not missed a single payment in three years, even when I did not have possession of the vehicle.

Following this, a service provider working with the finance company contacted the dealership where the vehicle was stored and informed them they would retrieve the car and pay a {$1400.00} release fee. 

On XX/XX/XXXX, I received a XXXX call from a different representative stating that the vehicle would now be abandoned due to its low value. I did not consent to this change. Both I and the dealerships service manager had previously been told the surrender was approved and the vehicle would be picked up. 

On XX/XX/XXXX, I requested written documentation from the finance company confirming the abandonment. I was told written confirmation could not be provided to customers. That same day, I contacted the dealerships service manager to ask if he had been informed of the vehicles abandonment. He said no and sent me an email stating that on XX/XX/XXXX at XXXX XXXX, the XXXX holder confirmed they would pay the release fee of {$1300.00} and arrange to have the vehicle towed. 

I have not had possession of the vehicle since XX/XX/XXXX. Despite surrendering the vehicle and being told it would be retrieved, I am still being charged for the loan. I am seeking written clarification of the vehicles current status, confirmation of whether the release fee was paid, and a clear explanation of my financial obligation. Additionally, I want to know if this loan has been or will be reported to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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 have multiple inquiries and missed payments that are not mine on my reports I have not been applying for anything. XXXX has been alerting me of these inquiries because I have fraud alerts on all my reports and the bureaus are still allowing them to go through. Any inquiries from 2024 and past also bar fraud alerts and werent mine and should have been removed. I have had multiple isssues with fraud and identity theft as recent as two weeks ago. I am a victim of all three bureaus data breech

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 2025-06-25 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: FL

Complaint narrative:
I have multiple inquiries and missed payments that are not mine on my reports I have not been applying for anything. XXXX has been alerting me of these inquiries because I have fraud alerts on all my reports and the bureaus are still allowing them to go through. Any inquiries from 2024 and past also bar fraud alerts and werent mine and should have been removed. I have had multiple isssues with fraud and identity theft as recent as two weeks ago. I am a victim of all three bureaus data breech

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: AZ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter 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 2025-06-25 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: AZ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
There was a judgement for both of these accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> that clearly states these dept 's are uncollectible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There was a judgement for both of these accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> that clearly states these dept 's are uncollectible

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit file, I noticed the presence of a hard inquiry that I do not recognize and did not authorize. I have not applied for any credit, loan, or financial product that would justify a credit check during the period reflected. This appears to be a violation of the Fair Credit Reporting Act, which stipulates that inquiries must have a permissible purpose and be backed by documented consumer authorization. As this is not the case, I consider this inquiry to be an inaccurate and unauthorized entry.

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 2025-06-25 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: MS

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and they have got into the hands of the wrong person.

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 2025-06-25 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-25 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: AZ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter 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 explanation
Consumer complaint received 2025-06-25 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
On XX/XX/XXXX a check in the amount of {$1000.00} was deposited in account with my name on it although no funds were transferred into my possession in regards to the check. Citibank confiscated the check without cause but told to me they needed me to prove the check written to me was mines they asked me to verify this check which I did several times they lied and told me the check was sent back to issue because it was never verified then they told me they sent a cashier check to the name and address of the payee which was me on XX/XX/XXXX which was also a lie. I reported this check stolen after being notified about the check and Citibank giving me the runarounds a trace was put on the check which came back as cashed and endorsed to me which is also a lie Citibank never gave me any funds or released anything in regards to money to settle this check. They keep lying and withholding this funds which belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation