vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2025-03-22 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: OK

Complaint narrative:
My payment record demonstrates consistent punctuality with XXXX instances of tardiness. I demand prompt evidence substantiating this alleged late payment, as my consumer protections are being infringed without it. Per 15 U.S. Code 1681s-2 ( a ) ( 2 ), information furnishers must promptly correct or update data upon discovering inaccuracies, incompleteness, or changes affecting accuracy.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX D.C. XXXX Subject : Request for Investigation Under the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I hope this message finds you well. My name is XXXX XXXX, and I am writing to formally request an investigation into the procedures employed by the credit reporting agenciesExperian, Equifax, and TransUnionregarding the accuracy of my credit inquiries and personal information on file.

Under the Fair Credit Reporting Act ( FCRA ), I believe it is imperative that credit reporting agencies maintain accurate and up-to-date records. I have identified discrepancies within my credit reports that require rectification. Specifically, I request the removal of all credit inquiries that do not accurately reflect my name as it is presented on my official identification : XXXX, XXXX XXXX Any variations of my name that do not correspond with this format are inaccurate and should be considered false. 

Furthermore, I insist on the removal of all addresses associated with my credit profile except for my current, sole address : XXXX XXXX XXXX, XXXX, PA XXXX. This has been my official address since XX/XX/XXXX, and any other addresses listed are incorrect. 

Additionally, I kindly request a detailed account of the investigative procedures and criteria used by the credit reporting agencies to determine the accuracy of the information they maintain. It is crucial for consumers to understand how these processes operate, especially when it affects our financial reputation and creditworthiness. 

I appreciate your attention to this matter and look forward to your prompt response. Thank you for your assistance in ensuring the accuracy of my credit reporting. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX D.C. XXXX Subject : Request for Investigation Under the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I hope this message finds you well. My name is XXXX XXXX, and I am writing to formally request an investigation into the procedures employed by the credit reporting agenciesExperian, Equifax, and TransUnionregarding the accuracy of my credit inquiries and personal information on file.

Under the Fair Credit Reporting Act ( FCRA ), I believe it is imperative that credit reporting agencies maintain accurate and up-to-date records. I have identified discrepancies within my credit reports that require rectification. Specifically, I request the removal of all credit inquiries that do not accurately reflect my name as it is presented on my official identification : XXXX, XXXX XXXX Any variations of my name that do not correspond with this format are inaccurate and should be considered false. 

Furthermore, I insist on the removal of all addresses associated with my credit profile except for my current, sole address : XXXX XXXX XXXX, XXXX, PA XXXX. This has been my official address since XX/XX/XXXX, and any other addresses listed are incorrect. 

Additionally, I kindly request a detailed account of the investigative procedures and criteria used by the credit reporting agencies to determine the accuracy of the information they maintain. It is crucial for consumers to understand how these processes operate, especially when it affects our financial reputation and creditworthiness. 

I appreciate your attention to this matter and look forward to your prompt response. Thank you for your assistance in ensuring the accuracy of my credit reporting. 

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 explanation
Consumer complaint received 2025-03-22 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: 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. 

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 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 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 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I selected an interest free option to pay back my balance owed for my medical treatment. Synchrony has already charged me interest and it has not been 12 months

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 2025-03-22 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:
What Happened : I am filing this complaint because Equifax continues to report inaccurate and unverified information on my credit report. Despite prior disputes, the following account has not been removed or verified in accordance with the Fair Credit Reporting Act ( FCRA ) : Creditor : XXXXXXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX : {$16000.00} Reported As Of : XX/XX/XXXX Opened : XX/XX/XXXX Account Status : Closed Payment History : Multiple late payments shown, with 0 % paid in XXXX and a utilization rate of 111 %. 

Dispute Reason : I have never received any signed contract, proof of account ownership, or validation from XXXX or Equifax linking me to this debt. 

Violations of Federal Law ( FCRA ) : 15 U.S.C. 1681i ( a ) Equifax must investigate disputed information and verify it within 30 days. They have failed to do so.

15 U.S.C. 1681i ( a ) ( 5 ) Unverified information must be deleted. This account remains despite no verification.

15 U.S.C. 1681e ( b ) Credit bureaus must ensure maximum possible accuracy. Reporting this debt without proof violates that obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: TX

Complaint narrative:
Zion Holding is reporting a debt of XXXX. 

This debt was given to them by XXXX ( a home security company ). I was a customer of XXXX. Their salesman came to my home and promised me new equipment ( door locks, nest thermostats, and updated panel ). After, the company informed me they could not provide the equipment because it would not work in my house. I then cancelled the contract as they could not provide the equipment as presented by their representative. This was years ago. I cant remember the exact date, but it could have been as far back as XXXX or XXXX. 

Most recently, Zion Holding has shown up on my credit report. As a debt in collections. I have never been contacted by them. The date opened is XX/XX/XXXX. It is not accurate and as resul, if not removed will effect my credit score until XXXX. 

I am requesting your assistance to have this inaccurate information removed from all credit reporting systems.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2025-03-22 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: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2025-03-22 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: TX

Complaint narrative:
I demand the immediate removal of inaccurate information from my credit report, as it violates multiple provisions of the FCRA. Under Section 611 ( a ) ( 5 ) ( B ), if the disputed information is found to be inaccurate or unverifiable, it must be permanently removed. I expect nothing less than full compliance.

Under Section 609 ( e ), if identity theft is involved, I am entitled to supporting documentation from both the credit agencies and the furnishers. I expect you to provide this documentation immediately.

Section 623 ( a ) ( 2 ) clearly states that furnishers must promptly correct any inaccurate information. This hasnt happened, and I demand immediate action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: AR

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 XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXXn XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$50000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX 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 XXXX 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 explanation
Consumer complaint received 2025-03-22 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: IL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

Account Name XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Balance {$29000.00} Account Name : XXXX XXXX XXXX # XXXX - XXXX XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX 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 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the enforceability of my federal student loan agreement on the basis of a **material alteration to the original contract**.

According to the terms outlined in my promissory note, my loan was issued and administered by the **U.S. Department of Education*** . Recent federal action has eliminated or reassigned the Department 's responsibilities, with the XXXX XXXX XXXX ( XXXX ) ** now serving as the managing entity. 

This constitutes a **substantial and unilateral alteration of the agreed-upon terms***, materially changing the administrative authority, servicing infrastructure, and potentially the regulatory protections outlined under the original contract. 

As such, I dispute the continued enforceability of this obligation under its current structure. 

I am requesting that this loan be formally reviewed for discharge, cancellation, or legal reevaluation due to the change in administering agency. Please respond in writing with your position and any available dispute resolution options. 

Sincerely, XXXX XXXX XXXX ( formerly, XXXX ) XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-03-22 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: PA

Complaint narrative:
I AM A VICTIM OF THE RECENT DATA BREACH PLEASE REMOVE AND BLOCK THESE ACCOUNTS DUE TO THE RECENT DATA BREACH I AM A VICTIM OF THE RECENT DATA BREACH PLEASE REMOVE AND BLOCK THESE ACCOUNTS IMMEDIATELY DUE TO THE RECENT DATA BREACH [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, PA, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ EXPERIAN ] [ XXXX XXXX XXXX ] [ XXXX, TX, XXXX ] Subject : Formal Dispute of Inaccurate Information Under FCRA ( 15 U.S.C. 1681n & 15 U.S.C. 1681o ) Dear [ EXPERIAN ], I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). The following item ( XXXX ) on my report contain errors and must be investigated and removed immediately : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ] [ XXXX XXXX XXXX  ] -Account # [ XXXX ] Nature of Dispute : [ fraudulent accounts ] [ inaccurate information ] According to 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of this dispute within 30 days. If the information is found to be inaccurate or unverifiable, it must be deleted or corrected. Additionally, under 15 U.S.C. 1681n, if you fail to comply with the FCRAs requirements willfully, you may be liable for actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorney fees. Under 15 U.S.C. 1681o, if noncompliance is due to negligence, you are still liable for damages, including legal costs. I demand that you correct or delete the inaccurate information from my credit report immediately. Please provide me with a written response detailing the results of your investigation. If the disputed item is not corrected, I will explore all legal remedies available to me. Enclosed are copies of supporting documents [ list documents such as a copy of your credit report with the inaccurate item highlighted, proof of identity, statements, etc. ] to assist in your investigation. Please respond in writing to the address above within the required timeframe. 

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 explanation
Consumer complaint received 2025-03-22 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:
Back in XX/XX/XXXX I called to speak to a representative regarding my monthly payment for that month for a payment arrangement in which put into place and I made payments as agreed becuase my daughter was killed in a car accident and I had to pay for her burial. I paid as agreed not sure why my credit report is saying I missed three payments when I filed an investigation back in XX/XX/XXXX I have a copy of the report stating I made my payments on time or as agreed. My credit report is saying I missed XXXX payments which according to corresponding from the mortgage company states otherwise

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Post Lake Lending Inc.
State: NV

Complaint narrative:
I took out a {$900.00} loan from Post Lake Lending, a tribal lender. They are not licensed to lend in the state of Nevada, where I live. The loan carries an APR of 768.08 % and the total repayment is over {$6700.00} - more than seven times the amount borrowed. 

On XX/XX/year>, they created a remotely generate check ( XXXX  ) using my account information. I did not sign or authorize that specific check or date. 

I believe the loan is illegal and unenforceable under Nevada law, and that the use of an XXXX without my consent was deceptive. I am asking the CFPB to help me stop further withdrawals, receive a full refund, and cancel the account.

Company response to consumer: Closed with explanation