vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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: TX

Complaint narrative:
I am writing to request the removal of inaccurate and unverified personal information from my Experian credit report, including incorrect names, addresses, Social Security numbers, and phone numbers that are not associated with me. According to the **Fair Credit Reporting Act ( FCRA, 15 U.S.C . 1681c ) **, credit reporting agencies must maintain accurate and complete information in consumer credit files. 
I have identified multiple discrepancies in my credit report that require immediate correction, as they reflect information that does not belong to me. The specific errors include : Names, addresses, social security numbers and phone numbers that dont belong to 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 explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The following accounts are deleted from my credit report. But they are still showing ( XXXX XXXX XXXX XXXX ) and ( XXXX XXXX XXXX ) please removed these accounts so that they are not showing on my credit report

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX 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 a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX XXXX account opened on XX/XX/XXXX under the account number XXXX, a business credit card account opened at XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My personal information is inaccurate on my report

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 2024-11-29 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: NJ

Complaint narrative:
XXXX XXXX XXXX Account number XXXX. is reporting to all XXXX bureaus that the debt is still outstanding and this is incorrect is has been paid and this account should be deleted The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law I intend to follow through with this if it is not rectified and I am compensated immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Social Security # : XXXX XXXX : XX/XX/ Dear Credit Reporting Agency & Creditors : I am disputing inaccurate information listed in my credit reports for XXXX XXXX XXXX XXXX and TransUnion . 

I recently went thru a divorce and I no longer have responsibility for the debt or credit accounts listed in my credit report as deemed by the court and divorce settlement agreement attached to this letter. 

Also I can certify that the credit accounts listed in my credit records are fraudulent and were opened by my ex spouse without my authorization during our separation, this claim has been confirmed by a police report to the XXXX XXXX Police Department that later resulted in the arrest of my ex spouse due to her confirmed actions of identity theft in my name. 


With such information said under the FCRA I kindly ask that you remove the following information from my credit report as such items are no longer my responsibility due to the divorce judgment and are fraudulent by nature due to identity theft, if the listed credit reporting agencys refuse to comply and correct the records this may result in legal action as your agency will be in violation of the The Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) that protects consumers against the misuse and misreporting of credit information. 


Affected Credit Accounts : XXXX XXXX  XXXX - {$7600.00} XXXX XXXX  XXXX {$14000.00} XXXX XXXX XXXX XXXX - {$16000.00} XXXX XXXX XXXXXXXX - {$3400.00} XXXX  XXXX XXXX - {$2100.00} XXXX XXXX XXXX XXXXXXXX XXXX {$20.00} XXXX XXXX  XXXX - {$1300.00} XXXX XXXX XXXX XXXXXXXX XXXX {$370.00} Please kindly remove the listed accounts to prevent any legal action as previous lawsuits have been filed in the past. 


Sincerely, 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 2024-11-29 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: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security # : XXXX XXXX : XX/XX/year> Dear Credit Reporting Agency & Creditors : I am disputing inaccurate information listed in my credit reports for XXXX , Equifax , and XXXX XXXX 

I recently went thru a divorce and I no longer have responsibility for the debt or credit accounts listed in my credit report as deemed by the court and divorce settlement agreement attached to this letter. 

Also I can certify that the credit accounts listed in my credit records are fraudulent and were opened by my ex spouse without my authorization during our separation, this claim has been confirmed by a police report to the XXXX XXXX Police Department that later resulted in the arrest of my ex spouse due to her confirmed actions of identity theft in my name. 


With such information said under the FCRA I kindly ask that you remove the following information from my credit report as such items are no longer my responsibility due to the divorce judgment and are fraudulent by nature due to identity theft, if the listed credit reporting agencys refuse to comply and correct the records this may result in legal action as your agency will be in violation of the The Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) that protects consumers against the misuse and misreporting of credit information. 


Affected Credit Accounts : XXXXXXXX XXXX XXXXXXXX - {$7600.00} XXXX XXXX  XXXX {$14000.00} XXXX XXXX XXXX XXXX - {$16000.00} XXXX XXXX XXXXXXXX - {$3400.00} XXXX  XXXX XXXX - {$2100.00} XXXX XXXX XXXX XXXXXXXX XXXX {$20.00} XXXX XXXX  XXXX - {$1300.00} XXXX XXXX XXXX XXXXXXXX XXXX {$370.00} Please kindly remove the listed accounts to prevent any legal action as previous lawsuits have been filed in the past. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: NC

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly 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 of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX  XXXX XXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX ITEMS IN DISPUTE : collection/charge off : XXXX XXXX XXXX XX/XX/XXXX {$58000.00} XXXX XXXX XXXXXX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$4300.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1700.00} late payment : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XX/XX/XXXX inquiries 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 non-monetary relief
Consumer complaint received 2024-11-29 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX ITEMS IN DISPUTE : collection/charge off : XXXX XXXX XXXX XX/XX/XXXX {$58000.00} XXXX  XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$4300.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1700.00} late payment : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
I need to refinance my vehicle. I love this vehicle so much. I put all my time and effort to maintain it and own it. The interest rate is unbelievably high and it seems I only paid like 6 % when I have this car for more than a year. Not only that I tried to refinance my vehicle more than multiple times when my credit score said it was fair, or the right time to refinance. I also spoke with Santander if I could refinance and they said yes. I also made adjustments so that I can qualify for refinancing through XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. None of them accepted me. I told them I needed to lower my payments to {$300.00} a month at least. I made sacrifices like take out my compound interest in my banking acct. to pay my vehicle. I also adjusted my debt to income ratio close to 51 % so that I can qualify. I need you to remove my interest rate or lower it down. The estimated value of this car is $ XXXX. I love you Santander so work with me. Plus, I supported XXXX in the XXXX  XXXX for the XXXX to win. If you know, Santander sponsor XXXX, So at least help me out of good will. Thanks. I'm going to report all refinancing companies for not allowing me to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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 non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
While applying for an apartment, the credit check revealed a credit freeze on my Equifax account. 

I attempted to use my login credentials to remove the freeze online, but was greeted with the message : " Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX ( XXXX ) '' On XX/XX/2024 I called that number. I was told to physically mail a copy of my social security card and driver 's license to an Equifax location in Georgia. By XX/XX/XXXX I had sent that mail as express. ( See receipt attached ) I called again on XX/XX/XXXX for a status update. I was told that once they begin the process, I would be notified through email. 

It is now XX/XX/2024. I have not received any such email. Having shipped express, I know the physical mail must have arrived by now. 

Unfortunately there is not much documentation I can provide regarding this issue. All of this has occurred over the phone. All I have is my shipping receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am a XXXX XXXX at the XXXX  - I am typing this on behalf of the complainant - who is a XXXX  in the XXXX. He does not have access to the internet but is dictating what is written. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX opened a PayPal account many years ago and his Social Security funds were deposited into his account. He later opened a traditional bank account and his funds were routed there. 
XXXX XXXX has been trying for years, unsuccessfully, to withdraw his funds from PayPal- now XXXX. 
Amount : {$6800.00} I have assisted XXXX XXXX in calling numerous times and have followed all their instructions to receive the funds. However, they have STILL not sent him his funds. 
They do state the account is now closed, but they repeatedly state they are mailing his check but then don't. Each time we call they ask for numerous documents to prove his identity and we send them- and the next call they ask for all the same documents. 

They transfer us to multiple agents but never a supervisor, even when requested. 

I have personally called PayPalXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I have sent them numerous emails to the email they offer : XXXX Including copies of emails from them, copies of his medical record indicating he currently RESIDES here ( proof of address ), copy of his DL, his SSN card, copy of a statement from PayPal and an email from PayPal. 

They respond to the emails that they are received - but then nothing else. 

XXXX XXXX resides at the XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have assisted him on the phone numerous times and followed all the agents instructions and they continue to fail to release his funds to him. He is currently homeless and requires this money to find housing. 

This money is HIS money he deposited and they are making it impossible to retrieve HIS funds. 

They will not respond to email and each phone call they say the same thing. They are sending the check or ask us to send proof of identity and address. 

There is nothing more XXXX XXXX can provide. The company is withholding his funds from him.

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