vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-27 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: KS

Complaint narrative:
we traded in a pickup truck that was financed through XXXX XXXX in XXXX XXXX XXXX. Per the dealership they paid XXXX XXXX off on XXXX XXXX with the dealer payment system. XXXX is reporting a 30 day late on this payment and it was not 30 days late. We always paid this account on time and were never late. They have yet to show proof to me that the payment was received outside 30 days late. The dealer pulled up their log and showed me where they submitted the payoff to XXXX XXXX on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-27 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I booked a one month stay through XXXX for a property in XXXX during XXXX through my chase bank account. What was meant to be a month stay needed up being less than 1 days stay because of how badly and falsely advertised the location was. The hotel manager was friendly and apologized for the room conditions and hotel conditions and promised a full refund. When I checked out they said that no worries they have informed XXXX and they will be the ones who will refund me as they are the ones who dealt with my money and bank. I noticed they charged me so I reported it as dispute however it was denied through chase and chase bank told me to get my refund through XXXX 

For months I have been waiting for my refund from XXXX and there excuse was that the property is refusing to give me the money which is not true. I got the XXXX police involved and they were very helpful and provided me with sufficient evidence that prove how XXXX  are scamming me. The proof is on XX/XX/year>, the property successfully transferred my funds to XXXX  to send to me. Later around XX/XX/XXXX I get communication from XXXX that they will refund me as they have my funds and that my money should be in my accounting XXXX business days. However it is XXXX now and I still dont have my money and I keep asking why did you not send it and they lie and say that my bank rejected it and that I successfully won a claim with my bank which is not true and they say that they do not have my funds now which is not true as they have my funds since XX/XX/XXXX and they even acknowledged that. I have also called chase bank several times and they said they can not help me and that XXXX should be the ones to refund me! They both contradict each other and now I still do not have my money refunded in my account and there is police reports with the proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-02-27 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: FL

Complaint narrative:
This is a formal dispute regarding inaccurate information on my credit report. My Social Security Number is being reported incorrectly, violating FCRA laws, including 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates accurate reporting. This has led to false collections under my profile, including the following accounts, which must be blocked and removed per 15 U.S.C. 1681c-2 and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Paid, Closed These accounts are unverifiable, fraudulent, and must be removed immediately. Additionally, multiple fraudulent addresses are appearing on my report, further indicating a breach of my credit file. Failure to correct these errors within five business days will result in legal action for statutory damages under 15 U.S.C. 1681n, as well as claims for willful noncompliance under 15 U.S.C. 1681o.I demand immediate deletion of these inaccuracies from my credit file. Failure to act will leave me no choice but to escalate this matter legally.

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 2025-02-27 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: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following unauthorized hard inquiries on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), including Section 604 and other applicable laws : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> Under FCRA 604 ( a ) ( 3 ), a permissible purpose is required for any hard inquiry on my credit report. I did not authorize these inquiries, nor did I initiate any credit applications with these institutions. As per FCRA 609 ( a ) ( 1 ), I request full documentation of my written authorization for these inquiries. If no such authorization exists, the inquiries must be removed immediately per FCRA 611 ( a ).

Failure to comply with this request within the legally mandated timeframe may result in further action, including reporting violations to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

Please provide written confirmation of the removal of these inquiries at your earliest convenience. Thank you for your prompt attention to this matter.

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 2025-02-27 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-27 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
these accounts are inaccurate they all are reporting something different ( inaccuracies ) and arent mine

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 2025-02-27 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:
these accounts are inaccurate they all are reporting something different ( inaccuracies ) and arent mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/scrub> 2024 I applied for a vehicle loan through a dealership XXXXl with XXXX they sent my application to XXXX XXXX and Ally Financial. I had a loan with Ally Financial prior and it was paid as agreed. When I applied for this loan I was denied however. Ally Financial told me that XXXX was stating ; Your credit score : XXXX Date : XX/XX/year>2024 Scores range from a low of XXXX to a high of XXXX Key factors that adversely affected your credit score : Too many accounts with balances ( Applicant ) Length of time accounts have been established ( Applicant ) Too many consumer finance company accounts ( Applicant ) Length of time revolving accounts have been established ( Applicant ) Then Ally Financial told me that XXXX stated ; We also attempted to obtain your credit score from XXXX to use it in making our credit decision. A credit score is a number that reflects the information in your credit report. A credit score can change, depending on how the information in your credit report changes. 

Then Ally Financial stated ; tInformation about your credit score from XXXX XXXX XXXX : We also obtained your credit score from XXXX XXXX XXXX and used it in making our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes.

Your credit score : XXXX Date : XX/XX/scrub> 2024 Scores range from a low of XXXX to a high of XXXX Key factors that adversely affected your credit score : Limited history for consumer at this phone ( Applicant ) Length of residence too short ( Applicant ) Too few active accounts ( Applicant ) Distance between address and area code of phone ( Applicant ) Under the Fair Credit Reporting Act it states " Each of the nationwide credit reporting companies XXXX, XXXX, and XXXX '' XXXX XXXX also known as XXXX is not one of the Three credit reporting agencies. Which is completely a false, as there is no inquiry on my credit report from Ally Financial on my XXXX Report. Plus, my credit is mainly reported on my XXXX report and XXXX Report with limited information on my XXXX Report. 

This is a violations of the Fair Credit Reporting Act. You should be fined and admonished. I would also like to know what is going on, like how long do I need to be at the same address or have the same number, and both are in the XXXX XXXX area. I would like for Ally Financial to know why Ally Financial violated my rights to a fair credit decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX I submitted a claim for {$550.00} against XXXX. I received an email from XXXX saying they were closing my account because they found fraudulent transactions. They then came back to Wells Fargo with proof it wasnt fraudulent. The proof being my ID was used. The only time I have ever used my ID was when I set the account up with XXXX. Not to make any transactions. Ive tried to get in touch with XXXX. And I havent been able to. I was denied my claim. I didnt have access to my debit card. I had to get a new one. And XXXX refused to remove my card and bank account information for weeks. Wells Fargo gave me credit for the amount. Then this morning I woke up negative {$330.00} in my account because weeks Fargo changed their mind.

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 2025-02-27 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-02-27 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-27 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
There fraudulent accounts that have appeared on my credit report, which I believe are the result of the XXXX data breach and unauthorized use of my personal information. These accounts were opened without my consent, and I am requesting their immediate removal from my credit file. The fraudulent accounts include : XXXX Account XXXX {$620.00} XXXXXXXX XXXX  {$870.00} XXXX XXXX {$640.00} XXXX XXXX XXXX {$280.00} Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit reporting agencies are required to ensure the accuracy of consumer information and investigate disputes promptly. These accounts were not opened or authorized by me, and their presence on my credit report is causing undue harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-27 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: FL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.

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 2025-02-27 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-02-28 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: MS

Complaint narrative:
Upon reviewing my credit report, I noticed fraudulent activity. Please delete these accounts as they are hurting my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: PA

Complaint narrative:
MOHELA is reporting my student loan account to the credit bureaus twice. This is resulting in the account appearing multiple times on my credit report making it appear as if my balance is double or triple the actual balance. They're doing this knowingly, or perhaps as a result of gross incompetence, as I've contacted them directly about this issue. Further, I disputed these erroneous accounts with the credit bureaus before which resulted in the accounts being removed from my reports ( and the correct account and balance being reported only once ) only for MOHELA to re-report the extra accounts and place them back on my credit profile. 

I've disputed these accounts again. I intend to pursue civil litigation under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation