vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: MI

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 2025-03-19 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: MI

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 non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XXXX I contacted target about a purchase that requested be canceled and I was assured that the order was canceled. A few weeks later after XXXX an item arrived from target that I didnt authorize, I proceeded to contact target about the issue and I was informed that target would send a carrier to pick up the item and my issue would be resolved. As of today l, Target still has not contacted me or picked up the item, target has recently placed my account in collections and had added multiple fees to my account. I called target to discuss this matter on XX/XX/year> where target representatives would not allow me to speak with a manager or escalate my concern. After waiting over 2 hours for a representative to answer my phone call, the representative claims to be a supervisor and lie to me about helping me resolve the issue, followed by sending me to a voice mail. 

Target will not speak with me when I call and target continues to add fees and interest, to my account along with having no concern about negatively impacting my credit or discussing the matter with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-03-19 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: Alorica Inc.
State: MA

Complaint narrative:
The account was settled and paid in full. Attached are the documents that show it was paid. I have disputed via XXXX but Goldman Sachs does not update the account as paid. The settlement was handled by XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: MI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2025-03-19 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: OH

Complaint narrative:
Experian Consumer Services has engaged in practices that have negatively impacted me, specifically : 1. Misrepresentation of My Personal Information Experian, has inaccurately recorded my personal information, including names, date of birth and addresses that do not belong to me. Despite my attempts to correct these errors, Experian has failed to take appropriate action. The incorrect names and addresses appearing on my credit report are XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Credit Reporting  Experian has reported closed accounts that should no longer be on my credit file, which is negatively impacting my creditworthiness. I have attempted to have these accounts removed, but they remain on my report. The accounts that need to be deleted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These errors have caused unnecessary challenges, including potential credit denials and reputational harm. Despite my efforts to resolve these issues directly with Experian, I have not received a satisfactory response. 

I request XXXX assistance in ensuring that Experian properly updates my personal information, removes the incorrect names and addresses, and deletes the closed accounts and Charge-Offs that should no longer be reported. Please let me know if you require any additional information to proceed with this complaint

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 2025-03-19 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: OH

Complaint narrative:
Experian Consumer Services has engaged in practices that have negatively impacted me, specifically : 1. Misrepresentation of My Personal Information Experian, has inaccurately recorded my personal information, including names, date of birth and addresses that do not belong to me. Despite my attempts to correct these errors, Experian has failed to take appropriate action. The incorrect names and addresses appearing on my credit report are XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Credit Reporting  Experian has reported closed accounts that should no longer be on my credit file, which is negatively impacting my creditworthiness. I have attempted to have these accounts removed, but they remain on my report. The accounts that need to be deleted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These errors have caused unnecessary challenges, including potential credit denials and reputational harm. Despite my efforts to resolve these issues directly with Experian, I have not received a satisfactory response. 

I request XXXX assistance in ensuring that Experian properly updates my personal information, removes the incorrect names and addresses, and deletes the closed accounts and Charge-Offs that should no longer be reported. Please let me know if you require any additional information to proceed with this complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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:
A while ago, I discovered multiple fraudulent accounts on my credit reportso many that I have no idea where they came from or who has been using my identity. Determined to get to the bottom of this and have these fraudulent accounts removed, I followed the proper steps. I sent a formal request to the credit bureau demanding validation in the form of original contracts, as I have every right to do.

Two months ago, I submitted a detailed letter along with an official FTC Identity Theft Reportexactly as the bureau requested. Yet, despite complying with their process, I have received nothing in return. No original contracts. No method of verification. No information on who they supposedly contacted at these companies. And worst of allthe fraudulent accounts are still on my report.

This is completely unacceptable. I demand full compliance with the Fair Credit Reporting Act ( FCRA ). Provide me with the original contracts, the specific method of verification used, and the names of the representatives contacted at these companies. If the bureau can not produce this information, these fraudulent accounts must be removed immediately. I expect a prompt resolution to this matter, as my financial standing and creditworthiness should not suffer due to negligence or inaction.

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 2025-03-19 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:
This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX Account NumberXXXX Date opened XXXX XXXX for the amount of {$6500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: MD

Complaint narrative:
I reached out to the creditors and also Experian to have the account removed from my report. 
Upon submitting documentation to them both the account was removed from my credit report and then added to my report again. 

On XXXX XXXX I contacted the creditors and provided documents confirming that my identity has been stolen via the phone and also via dispute through Experian. 
I received the report number XXXX to track the dispute On XXXX XXXX I received notice from Experian in regards to report number XXXX stating that the item had been removed from my report. 
Upon checking my report the item had been re added to my report.

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 2025-03-19 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: NC

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 explanation
Consumer complaint received 2025-03-19 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:
XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Email : XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Account Information Request for Deletion/Blocking Based on 15 USC 1681b ( 2 ) Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy of the information associated with the above-referenced account, which is currently being reported to the credit bureaus under my name. In accordance with my rights under 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I respectfully request that this account be blocked and deleted from my credit report.

Under the provisions of 15 USC 1681b ( 2 ), any information that is inaccurate, incomplete, or unauthorized for reporting may be disputed and removed from a consumers credit report. I believe the account in question does not meet the required criteria for reporting or may have been reported in error.

I therefore request a thorough investigation into this matter and the prompt removal of the account from my credit file to ensure that my credit report remains accurate and up to date.

Please provide written confirmation of the results of your investigation, along with an updated copy of my credit report reflecting the deletion of this account. Should you require any additional documentation or information to facilitate the investigation, I can be reached at the contact information provided above.

I trust that this matter will be handled expeditiously and in accordance with the timelines outlined by the FCRA.

Thank you for your prompt attention to this issue. 


Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Phone : XXXX Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, PA 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 2025-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: KY

Complaint narrative:
My information, including my name, social security number, financial information, and student loan data, were accessed by XXXX. Since then I have had calls nonstop in regards to my student loans. I have also had checks on my credit that I did not authorize. I am concerned that my information is being used without my permission. I believe that my loans should be discharged, as was promised by my loan providers for completing my agreement under the XXXX grant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: Central Research Inc
State: CA

Complaint narrative:
I was notified of a student loan via XXXX. I checked my credit report and saw a student loan had been opened on my credit report. I called XXXX and put a fraud alert on the file. I called the reporting company Central Research Institute Inc and they said they could not find me in their system. I also tried to dispute an address in XXXX XXXX that was also on my credit report and XXXX told me that I had to contact XXXX because they were the ones to report the address to XXXX. 

I have never lived in XXXX XXXX. I have never even visited. The company doesn't have an account and XXXX says they do. Another student loan amount has been reported this week. The first was {$2000.00} dollars, the second is {$3500.00}. This is impacting my credit score. I am not XXXX XXXX XXXX XXXX  have my own consolidated loans on my report. These from CRI do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
Subject : Complaint Regarding Equifax 's Failure to Properly Handle Credit Report Disputes Dear Sir/Madam, I am filing a complaint against Equifax due to an ongoing issue with the handling of my credit file and disputes, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

Specifically, after I submitted multiple disputes to Equifax concerning inaccurate or outdated information on my credit report, I received more than 40 letters from Equifax stating that they were unable to locate my credit file. However, when I contacted Equifax directly by phone, they were able to locate my file without issue. This inconsistency in handling my credit file raises concerns regarding both the accuracy of the information being reported and their failure to investigate my disputes as required by law.

Under Section 1681i of the Fair Credit Reporting Act, credit reporting agencies are required to investigate disputes within 30 days of receiving them. However, despite submitting disputes, Equifax failed to conduct proper investigations and continued to send notices indicating that my credit file was not found. This appears to be a violation of the FCRAs provisions for accurate reporting and thorough dispute investigation.

To resolve this issue, I respectfully request that the CFPB investigate Equifaxs practices in handling credit file disputes and demand that they take immediate action to correct these issues. I also request that my credit file be properly investigated, and the items in question be accurately reported in accordance with the FCRA. 

Thank you for your attention to this matter. I am attaching a copy of the documentation related to this issue, including copies of the letters from Equifax and the dispute correspondence I have had with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This information is incorrect because it does not belong to me or it is outdated. 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