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

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-03-03 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: AL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX hurricanes hit my house at XXXX XXXX XXXX, XXXX XXXX, Florida XXXX The municipality placed a moritorium on rentals until late XXXX My house sustained damage which made it unusable. Insurance would not cover the damage and I had to pay for it out of pocket. 
I applied for a hardship with my lender Fay Servicing ; spoke with my personal representative XXXX XXXX, who informed me in late XXXX that I was granted a forbearance on the mortgage payments for XXXX months, XX/XX/XXXX, XXXX XXXX, XXXX. No payment due until XX/XX/XXXX and the payments missed would be added to the end of the mortgage ; not due at the end of the time period. He was very explicit about this. I realized I may need a little more time as damage was more extensive than previously assessed. I reached out to XXXX XXXX to inquire about my eligibility for a few more months of forbearance, he told me to reapply and send a letter of explanation which I did on XX/XX/XXXX and again on XX/XX/XXXX. I received no phone call, but a letter stating I would be granted a modification. I did not need a modification, just a few months of forbearance. My personal representative did not return my calls and I had no idea where I stood with my request. The only thing I had to go by was my Fay Servicing app which clearly showed a payment was due XX/XX/XXXX. I paid that, but in the meantime, Fay reported a XXXXmonth delinquency to the credit bureaus and my credit score dropped significantly. I have disputed this with the agencies, but am told Fay must send an update and confirm the forbearance. I finally was able to speak with a representative today, XX/XX/XXXX and was told he can not do that. He could see in the notes that a forbearance was granted but had nothing official he could send to the credit bureaus and my best course of action would be to pay the delinquent amount now. 
This is untrue and unethical. I was told via telephone that this would not affect my credit and the forbearance meant that no payment would be due, including tax and insurance escrow until it was over. The length of my mortgage would be extended, which was what I had requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I didn't say that the XXXX XXXX, XXXX XXXX, and XXXX  XXXX accounts weren't mine ; I confirmed that they are. However, the other accounts are not mine and need to be removed. I see that you failed to address this and follow my instructions. I specifically mentioned that XXXX, XXXX, and XXXX are not my accounts. I only have three accounts in total. I need you to do better and remove the incorrect accounts as soon as possible. 

XXXX had sent me a paper with an apology but still refused to take action by removing it. They mentioned they closed it because I reported it as fraudulent, but yet they refused to take responsibility. 

XXXX XXXX is not mine XXXX used my name all in XXXX XXXX, and I had never been there. I need that removed as well along with other fraudulent account Someone impersonating me on social media that I have a pending lawsuit going now and police reports following that insult XXXX refused to take responsibility as well. I need that removed asap. I've been fighting this since XXXX XXXX XXXX

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

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-03 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: MO

Complaint narrative:
Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company Spectrum billing XXXXXXXX XXXX XXXX and XXXX XXXX XXXX 

as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 5 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

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 2025-03-03 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: NJ

Complaint narrative:
I am writing to update and submit a more accurate and detailed complaint regarding inaccurate information being reported on my consumer credit report. I previously submitted a complaint on XX/XX/2025, highlighting the inaccuracies, and although Experian responded, I remain dissatisfied with the resolution provided. It is my belief that the information being disseminated is not only inaccurate but also damaging to my financial well-being and personal life. 

Despite my efforts to address this issue, Experian has claimed that the reported information is accurate, which raises serious concerns about the thoroughness and integrity of the investigations conducted. This response leaves me to question the credibility of Experians claims and suggests that the issue may not be properly investigated or resolved.

The following legal provisions are relevant to this matter : 1. 15 U.S.C. 1681 ( 2 ) ( xi ) Under this statute, consumers have the right to challenge any inaccurate or incomplete information reported to credit bureaus. The failure to correct such information, especially when it is false or misleading, violates my rights under the Fair Credit Reporting Act ( FCRA ).

2. 15 U.S.C. 1666 ( b ) This section mandates that creditors correct any errors on consumers statements. As such, if inaccurate information is reported to Experian, they are required by law to ensure its removal from my credit report.

3. 15 U.S.C. 1692 ( c ) and ( g ) These provisions outline the obligations of debt collectors to provide accurate information and verify the validity of debts. If the reported collection accounts are not valid or have been erroneously reported, they must be removed, as they cause significant harm by falsely affecting my creditworthiness.

I must stress that I have never authorized or consented to the use of my personal information in a manner that results in harm to my financial stability, livelihood, and overall pursuit of happiness. The continued existence of these false collection accounts on my credit report has had a detrimental impact on my ability to secure necessary services, loans, and maintain a stable financial life.

I urge Experian to promptly and thoroughly investigate these inaccuracies and take corrective actions as required by law. Specifically, I request the deletion of the false collection accounts that have been reported erroneously. I expect a timely resolution to this matter and a comprehensive response addressing the issues outlined in this complaint.

Thank you for your attention to this matter. I trust that Experian will take the necessary steps to ensure accuracy and compliance with federal law.

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

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-03-03 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: OH

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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

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 explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I attempted a balance transfer on XX/XX/XXXX from santandar cash back credit card to XXXX XXXX XXXX XXXX XXXX Santander obstructed and blocked this transfer, I initiated another transfer on XX/XX/XXXX which santandar then resorted to the same tactics to block so I contacted the occ as well as other government agencies. Santandar finally proceeded the balance transfer after 6 weeks and my santandar credit card balance went done but they did no adjust my available credit to reflect this. I santandar has participated in fraud. I called today to ask why my available credit didnt reflect this transfer and found out that they reduced my credit limit by {$1000.00} from {$5000.00} to {$4000.00} so my available credit would stay the same. This is fraudulent shameful activity for a financial institution to act vengefully for simply trying to reduce my debt. They have stolen {$1000.00} from me. Please sanction and site Santandar cash back credit card for deception practices and false enrichment.

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 2025-03-03 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: Self Financial Inc.
State: FL

Complaint narrative:
I am writing to formally request a copy of Form 1099-C ( Cancellation of Debt ) for my secured card account, which has been inaccurately reported as charged-off on my credit report. Below are the relevant details regarding the account : Account Holder Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Date of Charge-Off : XX/XX/XXXX ( as reported, though disputed as inaccurate ) Charged-Off Amount : {$200.00} Credit Limit : Not Provided Highest Balance : {$500.00} Last XXXX Digits of XXXX : XXXX Per IRS regulations ( Section 6050P ), you must issue Form 1099-C for canceled debts of {$600.00} or more. I need this form for my records and tax compliance, as the reported charge-off of {$200.00} may have tax implications, particularly if aggregated with other canceled debts or if IRS rules apply differently. 

However, I am actively disputing this accounts status with credit bureaus and the CFPB, as the charge-off and past-due status ( reported as {$200.00} written off and past due as of XX/XX/XXXX ) are false. I made consistent, on-time payments until XX/XX/XXXX, and the sudden reporting of delinquencies ( XXXX  days past due ) and a charge-off is a blatant misrepresentation. This has devastated my credit score, denied me credit opportunities, and caused financial hardship, which I am addressing through ongoing disputes.

If Form 1099-C has not been issued, provide a written explanation detailing why, with supporting documentation for the charge-off. Clarify any outstanding balance, whether the debt was sold or assigned, and if further action is required. I am concerned that failing to issue this form, if applicable, violates IRS requirements and complicates my tax filings. 

Please send the requested documentation to the address above promptly, no later than 15 business days from receipt. Contact me at XXXX or XXXX if needed. I expect your immediate and thorough response to resolve this critical issue. 

Sincerely, XXXX XXXX XXXX

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

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have my credit reports frozen. I have been trying to get onto the Equifax site for months now to no avail. Each time I try logging on I get an error message stating We are temporarily unable to complete this request, please try again later. This has been going on since last year. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-03-03 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: MI

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 response to consumer: Closed with explanation