vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: NJ

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-02-14 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: MA

Complaint narrative:
Delete Hard Inquiries Equifax XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-02-14 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: TX

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 2025-02-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
In 2017 I started my account with Chime bank. I had multiple issues regarding deposits, transfers & I didnt have any way to talk to a live agent. This caused me to lose my direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: PA

Complaint narrative:
I have contacted all 3 credit bureaus to have debt removed older than 7 years. They keep updating the dates and keep it in my credit. This has caused me to have bad credit for past 25 years. I have 100 % payment history for many years and paid many loans off. My credit is damaged due to the credit agencies not following procedures and proper investigation. This has caused me a financial burden for many years. I just want the credit score that I deserve and work very hard to achieve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: PA

Complaint narrative:
I have contacted all 3 credit bureaus to have debt removed older than 7 years. They keep updating the dates and keep it in my credit. This has caused me to have bad credit for past 25 years. I have 100 % payment history for many years and paid many loans off. My credit is damaged due to the credit agencies not following procedures and proper investigation. This has caused me a financial burden for many years. I just want the credit score that I deserve and work very hard to achieve.

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 2025-02-14 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, CA XXXX XXXX.2025 XX/XX/XXXX XX/XX/XXXXPayPal Credit XXXX XXXX PA XXXX XXXXSubject : Cease and Desist Notice Regarding Unauthorized Information Sharing and Credit Reporting** To Whom It May Concern, This letter serves as a formal **Cease and Desist Notice** regarding your companys unauthorized sharing of my personal and financial information, as well as its continued reporting of inaccurate or unauthorized data to credit reporting agencies. Such actions constitute a violation of my rights under the **Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) ** and other applicable laws.

Pursuant to the FCRA, I am asserting my right to dispute and demand the immediate cessation of any further dissemination of my personal or financial information. Furthermore, under **15 U.S.C. 1681b**, my consumer report may only be provided under specific legal conditions, and any improper sharing of my data violates these provisions.

Additionally, under **15 U.S.C. 1681n and 1681o**, I am entitled to seek damages for willful or negligent noncompliance with the FCRA , including statutory damages, actual damages, punitive damages, and attorney fees. If your company does not take immediate corrective action, I will pursue all available legal remedies, including filing a lawsuit for damages resulting from your unlawful actions. 

**Account Number ( s ) : XXXX ** Accordingly, I demand that you : 1. **Cease and desist** from further sharing my personal and financial information without my express authorization. 
2. **Delete and remove any unauthorized or inaccurate information** related to my account from my credit report.

3. **Provide written confirmation** within 30 days that all necessary corrective actions have been taken to comply with this request.

Failure to comply with this demand will result in legal action without further notice. I trust you will take this matter seriously and act in accordance with your legal obligations. 

Sincerely, 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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Santander Consumer reports my balance as the same for over a year since XXXX  and XXXX impacting my credit score. They refuse to report the correct amount balance and bring my account current. They are treating a repossession for an incorrect balance due. 
The loan apr is above the standard amount allowed in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XX/XX/year>2024, My tax return was deposited in to my Navy Federal Account, Once deposited I started paying my debts owed to people, my friend loaned me XXXX earlier that year to help me get a car, I knew I had money coming so she trusted that I will pay her back, soon as I sent her money to her, thru member to member the blocked my account. I was really sick that day, because my glucose had dropped really low because I am a XX/XX/XXXX When I woke up I called Navy Federal, they asked me questions about why I sent XXXX XX/XX/XXXX to my friend. I feel like I didn't have to tell them the truth because it was my money, what I do with my money is my business. They then asked why my refund was so big. So they told what I needed to do to access my account, they told me bring in my ID, and my tax return and feel out the appeal form they sent to my email. So I waited until the next day to do so, because I was sick that Thursday. So on the XXXX my brother drove me down to XXXX, because that's the closet Navy Federal, turned in everything they asked for, they have lied to me so much about my account, they have been very rude through this whole process. They told me the appeal didn't go through, only way I found that out was when I called over and over again. They never sent me nothing in the mail, or email to inform me the appeal didn't go through at this point, I don't know what else to do. They claimed the sent my refund XXXX irs, which they haven't. I still get statements with my ending balance on there. The Security department is very very rude. I lost my house because of this, I been soXX/XX/XXXX because I was depending on my money to catch up on everything, because I had been off work alot due to my illness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FC HoldCo LLC
State: TN

Complaint narrative:
I've been paying my auto loan in advance and from my understanding from the person that I spoke with there are no penalties for paying early. 
But yet I am being charged outrageous interest by at least XXXX of the total monthly note. I called previously to their office and was told by the manager, that they charge interest daily, as well I can except the fact of a base interest amount. But I'm being charged as if I'm late and just allowing the interest to pile up this is the XXXX time this has happened. To give context, my car note isn't due until XX/XX/year> I paid {$420.00} with a {$5.00} fee on XX/XX/year> and the amount that XXXX XXXX XXXX pocketed was {$270.00} in interest, mind you the bill isn't due until XX/XX/year>. Help me understand how they were able to calculate and collect on a bill that's not due.

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 2025-02-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality in 15 USC 1681. 

Account Name : XXXX XXXX account ending XXXX, XXXX XXXX XX/XX/XXXXand XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A, states that I have the right to privacy.

15 USC 1681 Section 604 A section 2, states a consumer reporting agency can not furnish a written account without my written instructions or consent.

15 USC 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
Consumer complaint received 2025-02-14 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: CT

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-14 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-14 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: GA

Complaint narrative:
XXXX XXXX  reinserted an account to my my credit report without my permission. I was not notified 5 days ahead of time that this a. Punt would be reinserted which has violated my consumer rights under title 15 usc 1681. I also was affected by the Equifax dat breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am writing to have this removed from my credit report Under Florida Statutes, specifically Section XXXX ( related to fraudulent use of personal information ), I am entitled to challenge any incorrect or unverifiable information reported to credit agencies. Moreover, Florida law requires that creditors and reporting agencies correct any false or misleading information promptly, especially when it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: Global Lending Services LLC
State: FL

Complaint narrative:
I am writing to file a formal dispute regarding XXXX unrecognized credit inquiries on my credit report. Upon reviewing my credit report, I have noticed that there are XXXX inquiries related to auto loan credit applications that I do not recognize or authorize. 

The details of the inquiries in question are as follows : Date of Inquiry : [ Inquiry Date ] XX/XX/2025 Entity that made the inquiry : XXXX XXXX XXXX  Date of Inquiry : XX/XX/2025 Entity that made the inquiry : XXXX XXXX Date of Inquiry : XX/XX/2025 Entity that made the inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/2025 Entity that made the inquiry : XXXX These inquiries appear on my credit report without my consent, and I would like to request a full investigation to have this information removed from my report. Additionally, I kindly request that you provide me with any further information that explains how these inquiries were recorded on my report. 

Attached to this letter, you will find a copy of my credit report showing the unrecognized inquiries, as well as a copy of my identification and any additional documents required, if applicable. 

I appreciate your attention to this matter and am available to provide any further information you XXXX need. I request that you keep me informed about the progress of the investigation and the next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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 2025-02-14 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:
I previously reviewed a copy of my credit report and found some fraudulent accounts and this is hurting my ability to obtain credit and is against the Fair Credit Act and I would like this accounts to be removed from my credit history so I can obtain credit. Thank you. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: SC

Complaint narrative:
I am filling this complaint due to multiple unauthorized inquiries on my credit report that I did not approve or authorize. These inquiries have appeared without my consent, and despite my repeated efforts to have them removed the credit bureaus have failed to act. My disputes have been blatantly ignored or dismissed without any proper investigation, allowing these fraudulent entries to continue damaging my credit score. This is completely unacceptable, and these inquiries are in no way a result of any action I've taken. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-02-14 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: MOHELA
State: KY

Complaint narrative:
I notice that Missouri Higher Educ is showing up on all 3 credit reports which has been affecting my ability to provide for my family. I disagree with whatever issue that the company is having and asking for them to prove the debt because it is not mine note this company is also known as Mohela has a service provider 1st amount is {$3900.00} 2nd amount is {$4800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I was denied a business loan and by law chase was supposed to approve me a business loan.i was denied a business credit card as well but approved for XXXX credit cards with them for over XXXX  years and have a business savings account with them and a business checking account but denied a business credit card and funding

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: IL

Complaint narrative:
I am filing this report regarding multiple violations of the FCRA these accounts listed in attachment letter has many discrepancies that need to be addressed. I request immediate removal and compensation for each violation violating my rights. See attachments

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 2025-02-14 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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