vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: NV

Complaint narrative:
I recently received a copy of my credit report and noticed several in accuracies 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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
I would like to make sure that the information in my countdown is correct. I would like to check the email and phone number. Because it seems to me that the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: OH

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-03-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am writing to formally dispute the accuracy of a 30-day late payment reported on my Bank of America credit card account ( Account XXXX : ending in XXXX .... ) for XX/XX/year>. I have attached documentation demonstrating that the payment was made on XX/XX/year>, prior to the reported delinquency. 

Enclosed are copies of my bank statements and payment confirmations as evidence. I kindly request that you investigate this matter and update the account status to reflect Paid as Agreed. 

Thank you for your prompt attention to this matter. Please inform me of the outcome of your investigation at your earliest convenience.

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 2025-03-28 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
This XXXX  XXXX XXXX XXXX is on my inquiry and I did not authorize this and its ruining my credit. Santander did not have my auto to run my credit. Please remove from XXXX XX/XX/year> please remove XXXX  inquiry. They didnt have my authorization to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: TX

Complaint narrative:
This XXXX  XXXX XXXX XXXX is on my inquiry and I did not authorize this and its ruining my credit. XXXX did not have my auto to run my credit. Please remove from XXXX XX/XX/24 please remove Global inquiry. They didnt have my authorization to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Owed : {$220.00} XXXX XXXX Balance Owed : {$220.00} XXXX XXXX Balance Owed : {$220.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Owed : {$220.00} XXXX XXXX Balance Owed : {$220.00} XXXX XXXX Balance Owed : {$220.00}

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
Consumer complaint received 2025-03-28 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:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX, XXXX, XXXX, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the XXXX XXXX XXXX XXXX. 

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the XXXX XXXX XXXX. 
2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX, Experian, XXXX, and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX, XXXX, Equifax, and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
reported to Chase about payment taking out my account from vendor. Contacted vendor as well to stop payment. Chase charged me XXXX o stop payment with vendor not amount. following week another XXXX taking out account from this same vendor. Chase stated that for 18 mons this vendor or I couldn't pay anything from this account, neither could they touch the account. Called Chase got the run arounds, everyone said the agent lied who stopped payment, I am so frustrated with this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX  XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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 — Investigation took more than 30 days
Company: California Business Bureau, Inc.
State: CO

Complaint narrative:
Over several years, starting from XXXX and continuing through XXXX, I have reported harmful posts on XXXX that falsely associate my name with unauthorized content featuring copyrighted XXXX material, specifically related to XXXX XXXX XXXX XXXX XXXX*. Despite my repeated efforts to report these posts, XXXX has failed to take action, and the harmful content remains active. 

The posts have caused significant harm, including defamation of my personal reputation as a XXXX fan, emotional distress, and false accusations of criminal behavior. Additionally, the continued inaction on XXXX 's part has left me vulnerable to harassment and safety concerns. 

Actions Taken : 1. I submitted multiple reports to XXXX between XXXX and XXXX, requesting the removal of the offending posts. 

XXXX XXXX XXXX XXXX. 
ATTN : XXXX XXXX Filing XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. I contacted XXXX 's Anti-Piracy Team on XX/XX/XXXX, seeking assistance to address the misuse of their intellectual property, but received no response. 

XXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX. I provided links to the offending posts and urged XXXX to file a copyright infringement report with XXXX, as outlined in XXXX 's official policy. 

The offending posts include : - Links : [ XXXX  XXXX ] ( https : XXXX ), [ XXXX  XXXX ] ( https : XXXX ), [ XXXX  XXXX ] ( https : XXXX ), [ XXXX  XXXX ] ( https : XXXX ), [ XXXX  XXXX ] ( https : XXXX ) [ XXXX  XXXX XXXX ] XXXX https : XXXX Despite my efforts , no meaningful action has been taken, leaving the defamatory posts active and my situation unresolved viral to all and my sensitive inform been viral of their logo used from my information. 

Without response. It's hard to even move forward. Especially late XXXX XXXX XXXX day. Which by way is my birthday XX/XX/XXXX. 

My instagram account was originally : XXXX  XXXX XXXX 's : I am owner fan page. I am not XXXX owner. They stole copyright and make blame on me. Therefore they stole XXXX copyright. 

If you are unable to assist directly, I kindly request that you make police report within your organization who can take an action. 

I am not seeking legal action, but I am asking for your assistance in addressing this serious issue. XXXX has not responded to my reports over the years, and the harmful posts remain active, causing ongoing damage to my reputation. I need action to be taken promptly to resolve this matter. Without intervention, this issue will persist, leaving me vulnerable to blame and harm indefinitely. Your support in taking meaningful steps to address this situation would make a significant difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
The app is called Cash app and {$100.00} was sent to XXXX XXXX at XXXX XXXX. XX/XX/XXXX transaction # XXXX AND XXXX $ AT XXXX TRANSACTION # XXXX. THIS WILL BE THE FOURTH TIME MY ACCOUNT HAS BEEN HACKED ON CASH APP THE LAST THREE TIMES I WAS LOCKED OUT OF MY ACCOUNT FOR 10 DAYS EVERY TIME AND HAD TO HAVE A SPECIAL INVESTIGATOR LOOK AT MY ACCOUNT IN THE VERY LAST TIME I GOT HACKED THEY MADE ME MAKE A NEW ONE BECAUSE I DIDN'T HAVE A REAL BANK ACCOUNT TO ADD TO IT I HAVE XXXX STORM FOR ME LAST TIME THAT WAS NEVER REPLACED OFF I GOT MY CASH APP THIS IS UNACCEPTABLE AND NOW THIS EVERY TIME IT'S EITHER SOMEONE'S ABLE TO CHANGE MY EMAIL ADDRESS AND MY PHONE NUMBER AND MY PASSWORD AND EVERYTHING TO WHERE I CAN NEVER GET ON IT AND THIS IS JUST UNACCEPTABLE AND I'M NOT GOING TO BE USING CASH APP AFTER THIS BUT I REALLY WOULD LIKE MY PAYMENTS BACK I DON'T KNOW WHO XXXX XXXX IS I'VE NEVER SENT MONEY TO THIS PERSON YOU DON'T KNOW WHO SHE IS AND I'M MAKING A POLICE REPORT TOO CRAZY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2024, I mailed a formal dispute to Experian, challenging the accuracy of the following accounts on my credit report : XXXX XXXX  XXXX XXXX  XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I requested a reinvestigation of these items and removal if they could not be verified. I also requested : A free updated credit report after any correction or deletion Notification to any parties that accessed my report in the past six months As of today, Experian has not respondedwell beyond the FCRA-mandated 30-day deadline. This lack of response constitutes a violation of FCRA 1681i ( a ) ( 1 ) ( A ), which requires a credit reporting agency to investigate and respond to consumer disputes within 30 days of receiving notice.

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 2025-03-28 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: SC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-03-28 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: SC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I appreciate your help in addressing some of the fraudulent information on my credit file. However, there are still unresolved inaccuracies that need to be removed. Under FCRA Section 605, you are obligated to eliminate any inaccurate records. I have previously provided this documentation and am including it again for your reference. My attorney is fully informed of the situation and prepared to hold you accountable for continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: PA

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

Company response to consumer: Closed with non-monetary relief