vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-02-19 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-19 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: TX

Complaint narrative:
My Information was exposed in 2 data breaches thru XXXX XXXX  and XXXX  on XXXX and XXXX XXXX XXXX on XX/XX/XXXX All negative items that I have been reporting inaccurate ; Identity theft on my credit report need to be removed Under section 605B this should not turn into a third-party dispute and should and required to be removed in 4 days of 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 2025-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My Information was exposed in 2 data breaches thru XXXX XXXX  and XXXX  on XXXX and XXXX XXXX XXXX on XX/XX/XXXX All negative items that I have been reporting inaccurate ; Identity theft on my credit report need to be removed Under section 605B this should not turn into a third-party dispute and should and required to be removed in 4 days of 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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
This account is dated back since XXXX. They don't wqmt to work with you on any kind of payments. They keep reporting negative on me and it's hurting my credit bad. I'm on permanent XXXX and I tried explaining this. But this is not acceptable to them. They startee dropping my score in last 2 months since contacting them and updating my personal information l, which is wrong. My score dropped XXXX points just in a month due to them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-19 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: GA

Complaint narrative:
Dear Experian Dispute Department, I am disputing unauthorized credit inquiries and inaccurate accounts listed on my Experian credit report. Under FCRA 611, I request an immediate investigation and correction of these items. 

Unauthorized Hard Inquiries The following inquiries were made without my consent and must be removed per FCRA 604 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Accounts That Do Not Belong to Me The following accounts were fraudulently opened or incorrectly reported in my name and must be removed : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-02-19 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: NC

Complaint narrative:
Once again, I am writing to formally request the removal of the items that I previously asked to be removed from my report. Despite submitting this request several months ago, these items are still being reported on my account. What happened? I have already provided all the necessary details and documentation required to support my request Therefore, I kindly ask that you address this matter promptly again and ensure that the requested changes are made to my report without further delay.anymore.

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 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: ND

Complaint narrative:
A Thief Burglarized my vehicle, stole my wallet and various other items. I called the police, after 2 Days he was caught, And all of my credit and debit cards were returned. This was After he was able to withdraw and charge several credit / Debit cards to their limit. After filing a claim through the bank, my claim was denied after 30 days, referencing that I tried to claim items that were clearly verified as my charges. After waiting another 3 weeks, to receive the Documents for the claim, I discovered that the representative had in error added two additional charges that were clearly made by myself, AFTER I received my property back. I ONLY asked to claim the ATM Withdrawals and associated fees, that totaled. The exact amount that were put on the police report, which I forwarded to them when I made the claim. The additional charges were for two transactions that I made at a hotel the day that I received my debit card back from the police. I clearly stated this to the ( XXXX XXXX XXXX  ) Bank Call Center Representative. I then after an additional 5 days bringing this to 2 months in total time since the crime was committed against me, I refilled the claim, and its astonishing that the representative made the exact same claim amounts, after I adamantly explained the error that THEY HAD MADE ON THE FIRST CLAIM. The claim was denied again, and as before I had to wait the 3 weeks to get an explanation report through the mail, that my claim was denied for the SAME EXACT ERROR THEY MADE THE FIRST TIME. I requested a different investigator, explained what the problem was, and was asked to write in detail what exactly happened in the first TWO CLAIMS, that were ultimately denied. Waited another 3 Weeks, just to have my claim denied due to a discrepancy in 3 additional charges at a vending machine that didnt show up until 60 days later that the thief made while in possession of my debit card. So I had to make another claim. This time when I made the claim, I was told that I could no longer make a claim due to the claim being made at more than 90 Days. The 90 days claims process was created by their claims department, making human errors. After filing an appeal to the supervisor, they acknowledged their error and allowed for me to make and additional claim. I did so. The claim was approved by the claims adjuster, for {$10.00} only. For the 3 {$3.00} charges to the vending company XXXX of South Dakota, because the other Fradulent charges were past the allowable time to issue a claim, because they stated that they have no authorization to modify or override the systems. Claim process was suspended to me until this New year of 2025, and I will be filing another claim with the same paperwork again, and with a copy of this statement to be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I am formally disputing the XXXX to settle this loan. Despite this, Ally Servicing continues to charge unlawful deferment fees and late charges. My concerns are : Every single time i call to have this resolved i get hung up on or transfered to Like XXXX different people, And as of XX/XX/year> i was told there was a hold on my account due to bankruptcy that i didnt ask for.If adding up my payments up till the accident. 

this is the number Original Loan : {$26000.00} Total Paid by Me : {$20000.00} ( principal ) + {$11000.00} ( interest ) = {$31000.00} Insurance Payout : {$17000.00} ( principal ) Total Principal Covered : {$37000.00} ( you + insurance ) Allys Unjust Charges : - Excess Principal : {$10000.00} ( {$37000.00} - {$26000.00} ) - Unpaid Late Fees : {$1800.00} - Deferment Fees : $ XXXX ( estimated ) How after having the car from XXXX did XXXX not pay off the rest of my far for a 72 month loan. 
How is that for 3 months My statement shows its been paid off but Still racking up Late fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion Dispute Department, I am writing to dispute unauthorized inquiries and incorrect accounts appearing on my TransUnion credit report. Under FCRA 611, I request an immediate investigation and removal of the following items. 

Unauthorized Hard Inquiries The following inquiries were made on my credit report without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VERIFY Incorrect Accounts That Do Not Belong to Me The following accounts were either fraudulently opened or incorrectly reported and must be removed : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : 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 2025-02-19 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: WA

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-19 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: VA

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This account is dated back since XXXX. They don't wqmt to work with you on any kind of payments. They keep reporting negative on me and it's hurting my credit bad. I'm on permanent XXXX and I tried explaining this. But this is not acceptable to them. They startee dropping my score in last 2 months since contacting them and updating my personal information l, which is wrong. My score dropped XXXX points just in a month due to them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and had fraudulent accounts on my credit ..please remove these accounts from my report, they hurting my ability to obtaincreditthank yo

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MN

Complaint narrative:
I am filing this complaint regarding inaccurate late payments reported on my credit report by Mohela for my federal student loans ( Account Number : XXXX XXXX XXXX ). 

I had 13 loans under this account, all of which were in approved forbearance from XX/XX/XXXX, to XX/XX/XXXX. During this period, I was not required to make payments. However, my credit report incorrectly reflects late payments for XXXX and XX/XX/XXXX on these loans, despite the fact that they were in forbearance. 

This inaccurate reporting has significantly damaged my credit score. Under the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be accurate. Because my loans were not in repayment status at the time, these reported late payments are an error and must be removed. 

I previously contacted Mohela multiple times to request a correction, but they have not taken any action to fix this error. This failure to correct inaccurate reporting is unacceptable, and I am now seeking CFPB assistance to ensure Mohela complies with federal credit reporting laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i just check my credit report and i noticed accounts that are not mine these are the accounts below XXXX XXXX XXXX, XXXX, {$45000.00} XXXX XXXX XXXXXXXX, XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i just check my credit report and i noticed accounts that are not mine these are the accounts below XXXX XXXX XXXX, XXXX, {$45000.00} XXXX XXXX XXXXXXXX, XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2000.00}

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