vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: VA

Complaint narrative:
My credit report shows late payments that arent accurate. Ive disputed these with the credit bureaus, but the issue still hasnt been resolved. The account in question shows late payments, even though Ive always paid on time as agreed. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-03-12 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: CA

Complaint narrative:
I got notified of XXXX unauthorized hard inquiries on my credit reports from XXXX and TransUnion. The XXXX unauthorized hard inquiries are from XXXX XXXX XXXX, the first XXXX took place on XX/XX/2025 and the other took place XX/XX/2025. I dug a little deeper and noticed it said something about a XXXXXXXX XXXX XXXX. I called TransUnion and they informed me I needed to submit a FTC complaint. After which I would need to send the confirmation letter to TransUnion in order for them to start the process of removal of the XXXX hard inquiries. I called XXXX and they informed me I needed to reach out directly to XXXX XXXX XXXX  to inform them my Social Security number was used by someone else so that they can cancel the application and notify the credit bureaus so that the hard inquiries can be removed. I called XXXX XXXX XXXX  and they informed me I needed to reach out directly to the credit bureau for them to remove it, essentially sending me in circles. I have never applied for anything through XXXX XXXX XXXX  and believe this could be a sort of 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 explanation
Consumer complaint received 2025-03-12 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: CA

Complaint narrative:
I got notified of XXXX unauthorized hard inquiries on my credit reports from Equifax and XXXX. The XXXX unauthorized hard inquiries are from XXXX XXXX XXXX, the first XXXX took place on XX/XX/year> and the other took place XX/XX/year>. I dug a little deeper and noticed it said something about a XXXXXXXX XXXX XXXX. I called XXXX and they informed me I needed to submit a FTC complaint. After which I would need to send the confirmation letter to XXXX in order for them to start the process of removal of the XXXX hard inquiries. I called Equifax and they informed me I needed to reach out directly to XXXX XXXX XXXX  to inform them my Social Security number was used by someone else so that they can cancel the application and notify the credit bureaus so that the hard inquiries can be removed. I called XXXX XXXX XXXX  and they informed me I needed to reach out directly to the credit bureau for them to remove it, essentially sending me in circles. I have never applied for anything through XXXX XXXX XXXX  and believe this could be a sort of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: AZ

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 95-506, Title VI, Section 611, Subsection A-D, please provide the name and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I want reported accounts removed.  
XXXX XXXX XXXX XXXX XXXX XXXX  -Santander
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: SLM CORPORATION
State: GA

Complaint narrative:
I want reported accounts removed. XXXX XXXX XXXX XXXX XXXXSallie Mae XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
Ive been trying to get wrong names, addresses, and accounts that do not belong to me and credit inquiries that I did not authorize off my reports. I was told by each company that the accounts were verified by the address theyre attached to. These addresses I never lived at. I tried to get these addresses I do not recognize removed and the credit companies told me they couldnt be removed because they were tired to an account. Theyre tied to accounts that I did not open. This is why Im demanding that they be removed immediately! These inquiries and unauthorized accounts are damaging me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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:
Ive been trying to get wrong names, addresses, and accounts that do not belong to me and credit inquiries that I did not authorize off my reports. I was told by each company that the accounts were verified by the address theyre attached to. These addresses I never lived at. I tried to get these addresses I do not recognize removed and the credit companies told me they couldnt be removed because they were tired to an account. Theyre tied to accounts that I did not open. This is why Im demanding that they be removed immediately! These inquiries and unauthorized accounts are damaging me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: AZ

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) In accordance with The Fair Credit Reporting Act, Public law 95-506, Title VI, Section 611, Subsection A-D, please provide the name and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The dates are XX/XX/year>, XX/XX/year> and XX/XX/year>. There's incorrect inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have told chase bank multiple times that I did not make certain charges so I continued to pay them. I work XXXX jobs so its not easy for me to get to the bank during their hours. I am missing work to handle the situation now. I have had fraudulent charges that Ive been paying for months now but I have to take time off work to get mad and force them to pay attention to my words. I dont think this will even help so Im completely closing everything at that bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XXXX We had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( only spouse was not listed ) Current Servicer Bank of America Note Holder XXXX  Date Audit XX/XX/XXXX Date Closed XX/XX/XXXX Loan No. at that time XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and there were XXXX severity concerns. 
Listed in XXXX XXXXXXXX XXXX  In XXXX XXXX BofA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Is the link to my new assigned account BofA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX the person listed as the person associated as the President of XXXX XXXX XXXX XXXX XXXX by shares XXXX and XXXX XXXX House XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX See attached Doc for Details

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 2025-03-12 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: OR

Complaint narrative:
I am disputing fraudulent accounts that were opened in my name without my consent. Despite submitting a dispute, these accounts remain on my credit report, violating 15 U.S.C. 1681c-2. I request their immediate deletion.

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 2025-03-12 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:
I am filing this complaint because Experian has repeatedly failed to comply with their legal obligations under the fair credit reporting act FCRA. specifically, they have violated : >15 USC 1681e ( b ) failure to maintain the accuracy of my credit report.

>15 USC 1681s-2 negligence in ensuring the furnishers of information comply with there obligations.

> 15 USC 1681i ( 5 ) failure to properly reinvestigate disputes and remove inaccurate information.

>15 USC 1681c ( c ) inclusion of obsolete information in my credit report.

I have sent multiple dispute letters to Experian and even sent one out again today, they have failed to conduct proper investigation or reinvestigations, or outright ignored evidence provided.

to make matters worse I have learned about the recent CFPB lawsuit against Experian. stating that CFPB sues Experian for sham investigations of credit report errors. 
I sent a dispute about an account that was opened and sent to collections that was inaccurate and the original creditor was credit ninja and its showing a different company which I had no contract with. according to the FCRA section 605B it is illegal to report anything on my credit credit report without my permission. i need all negative items removed.

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 2025-03-12 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: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
Random company started contacting me who I have no contract with and I requested proof of and validation of debt, no consent to report. Have been calling me after I notified to them of me being at work and they still continue to call and text me. Please delete from my credit profile

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 2025-03-12 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: MD

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-03-12 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:
I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have been paying to Navient since about XXXX for my grandson. I have since retired from teaching and still paying on the loan. I tried to contact Navient after hearing about the lawsuits and no response. I tried to send in a teacher forgiveness application to my school while I was still teaching but no response. I have since retired now in XXXX. I am currently XXXX yrs. as of XXXX. I had been paying until recently and can contact my bank for all returned checks. Since the Navient lawsuit, they were harassing me about making payments during the time that all payments were halted, however I continued to pay through XXXX and the lawsuit. Now I am retired on a fixed income and believe that I have been qualified to receive forgiveness of this loan. Recently Navient has reported my credit to a collection company called XXXX XXXX. I stated receiving collection letters in XXXX. I am being harassed with collections letters and telephone threats. I do not understand why they are not working with me after I have made over XXXX worth of payments over the years as a teacher. I do believe that I have been qualified for loan forgiveness because it has been over 10 years, and also I was a teacher. Please help me with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: HireRight Solutions, Inc.
State: VA

Complaint narrative:
I am filing a complaint against HireRight because they have recorded an unfair and inaccurate report about me without conducting an independent and thorough investigation. As a result, I have lost my ability to work on ride-sharing platforms like XXXX and XXXX. 
On XX/XX/year>, XXXX deactivated my account and sent an unverified report to HireRight. After this, I contacted HireRight, and they informed me that they needed 30 days to review the report. However, after this period, they only stated that XXXX had determined that I was not eligible to work on its platform, without conducting their own investigation. 
When I asked HireRight to request evidence from XXXX to verify the claim made against me, they responded that they do not have the authority to do so and only record and forward reports. However, XXXX report contained inconsistenciesinitially, they stated that the passenger claimed I had XXXX  XXXX, but in a later message, they changed it to an allegation of XXXX XXXX. This contradiction demonstrates that XXXX itself was not careful or accurate in its reporting. 
On the night of the incident, the passenger was heavily intoxicated and fell asleep in my car. When we arrived at their destination, I repeatedly called their name, but they did not wake up. Eventually, I opened the car door and called out again. The passenger suddenly woke up, hit the car, and walked away. Later, I found out that they had filed a complaint against me. 
I have never had any prior complaints or issues, and I have always maintained a high rating from passengers. However, HireRight recorded XXXX unverified report and shared it with other companies, preventing me from finding work. 
Furthermore, I am a XXXX XXXX  with 10 years of experience working with XXXX XXXX and have always conducted myself professionally in all work environments. I have also recently completed several training programs and received certifications that demonstrate my commitment to professionalism. However, this incorrect report has severely impacted my career growth and future opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: SC

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance {$9800.00} XXXX XXXX Original XXXX : XXXX XXXX  XXXX Balance {$2300.00} XXXX XXXX XXXX XXXXXX/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 non-monetary relief