vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: CA

Complaint narrative:
I am so exhausted I've been trying to correct things with Equifax Experian and transition but it's no response no reply nothing! I sent so many letters certified and I still get no response. please help me pursuant to 15 USC 1681i ( a ) 1 they are required to respond within XXXX  days or the items shall be removed. pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 they aren't properly investigating these accounts.

please help me as these aren't my accounts 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 non-monetary relief
Consumer complaint received 2025-02-13 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: CA

Complaint narrative:
I am so exhausted I've been trying to correct things with Equifax Experian and transition but it's no response no reply nothing! I sent so many letters certified and I still get no response. please help me pursuant to 15 USC 1681i ( a ) 1 they are required to respond within XXXX  days or the items shall be removed. pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 they aren't properly investigating these accounts.

please help me as these aren't my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: IL

Complaint narrative:
I am filing a complaint against Equifax for Search failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds with in 24 hours ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof. The accounts are XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: LA

Complaint narrative:
Today I received a notice of petition for garnishment. I was never notified of the change of my account. I never permitted them to contact my employer. When I first found out about the debt, I wanted to dispute it because I was not familiar with the debtor, and they told me if I did, they would pursue criminal charges against 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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE UNFREEZING OF MY CREDIT FILE AND REMOVING OF FRAUD ALERTS. SEE 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 2025-02-13 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:
My id is being used on the dark web and now I have scam, and fake inquires on my credit report. 
The three credit agencies have refused to remove them from my credit report!!!! 
I am a XXXX XXXX  XXXX American veteran, and I do not have the time to deal with this nonsense!!!!! 
Remove the inquiries ASAP!!!!!!!! 
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

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Two separate mortgage lenders have tried pulling my credit reports, they have no problem pulling 2 but EQUIFAX credit report will not pull. There is no freeze or fraud alert however they told me to send in documents to verify my identity, I have done this three times now and I still can not access my credit report. No one seems to be able to help me on the phone and I need it resolved asap so I can close on a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
In XXXX XXXX I lost my job and the owner slandered my name in all the towns around us so no one would hire me So I called Ally Financial right away and asked for help for 3 months Forbearance I believe. They told me they could not do anything to help me at that time because iI was not behind on my payments, that is what I didn't want to happen. When i got behind they still wouldn't help me right away, then they never sent me the paperwork I needed to sign, they mailed it instead of putting in my online account then said they couldn't change that so I never received it.Then it went to repo and they wanted me to make a monthly paymentt OF {$2300.00} outrageous if i was having a problem paying {$540.00} how could i afford that.Not to mention XXXX XXXX XXXX XXXX sold me a car that needs a new motor and it is a recall so the car is not running now i have been fighting XXXX for 2 years.I have closed one loan with Ally and was never late untill the loss of my job and they wouldn't help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
XX/XX/year> someone applied for a line of credit and I received notice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: GA

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Equifax 's inaction violates federal law and my rights as a consumer.

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 2025-02-13 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-13 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:
On XXXX  I was notified that a loan was opened up in my name fraudulently with XXXX XXXXXXXX XXXX - phone number is XXXX. 
They verified that the account was in fact fraud ( see email attached ) and said they would have it removed from my credit within 10 business days. 2 of the 3 credit bureaus have since removed it from my credit. But transunion has some how verified the account as valid? Insane. I have contacted transunion and they advised me to do a complaint. I want to do a complaint on transunion and XXXX. XXXX has confirmed they have sent the information to remove from my credit. Transunion even though I filed multiple fraud reports continues to view this account as accurate and even hit me with a missed payment now.

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 2025-02-13 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: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me XXXX XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
Dear [ Credit Bureau Name ], I am writing to formally dispute several inaccurate entries on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ). These entries are in reference to debts that are not mine and should be removed immediately from my credit file. 

The following debts are being reported inaccurately, and I request their removal from my credit report : XXXX : {$13000.00} Santander : {$26000.00} XXXX XXXX XXXX XXXX : {$5200.00} XXXX XXXX XXXX XXXX : {$2000.00} Furthermore, I would like to emphasize that all debts associated with the address XXXX XXXX XXXX are not accurate nor do they belong to me. I have previously submitted dispute letters to the creditors listed above without receiving verification of these debts, which violates my rights under the FCRA. 

Relevant Laws : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, I am entitled to dispute inaccurate information on my credit report and request that it be corrected or deleted. The reporting agencies must investigate the disputed information and delete any entries that can not be verified as accurate within 30 days. 
Servicemembers Civil Relief Act ( SCRA ) : As a servicemember, if these debts are related to a time when I was in military service, I am entitled to protection from default judgments and certain collections actions. If these debts are erroneously listed as part of my credit report, I request their removal to ensure compliance with the SCRA. 
I demand that you investigate this matter and remove these inaccurate items from my credit report. Please provide me with written confirmation once these debts are verified or removed. If you are unable to provide valid verification, these debts must be permanently deleted from my credit file, as required by law. 

. 

Failure to comply with the requirements set forth in the FCRA and SCRA will leave me no choice but to seek legal action and report non-compliance to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. 

Please consider this matter urgent, and I expect a resolution in accordance with the law. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
Dear [ Credit Bureau Name ], I am writing to formally dispute several inaccurate entries on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ). These entries are in reference to debts that are not mine and should be removed immediately from my credit file. 

The following debts are being reported inaccurately, and I request their removal from my credit report : Bridgecrest : {$13000.00} XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX : {$5200.00} XXXX XXXX XXXX XXXX : {$2000.00} Furthermore, I would like to emphasize that all debts associated with the address XXXX XXXX XXXX are not accurate nor do they belong to me. I have previously submitted dispute letters to the creditors listed above without receiving verification of these debts, which violates my rights under the FCRA. 

Relevant Laws : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, I am entitled to dispute inaccurate information on my credit report and request that it be corrected or deleted. The reporting agencies must investigate the disputed information and delete any entries that can not be verified as accurate within 30 days. 
Servicemembers Civil Relief Act ( SCRA ) : As a servicemember, if these debts are related to a time when I was in military service, I am entitled to protection from default judgments and certain collections actions. If these debts are erroneously listed as part of my credit report, I request their removal to ensure compliance with the SCRA. 
I demand that you investigate this matter and remove these inaccurate items from my credit report. Please provide me with written confirmation once these debts are verified or removed. If you are unable to provide valid verification, these debts must be permanently deleted from my credit file, as required by law. 

. 

Failure to comply with the requirements set forth in the FCRA and XXXX will leave me no choice but to seek legal action and report non-compliance to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. 

Please consider this matter urgent, and I expect a resolution in accordance with the law. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: ALLIANT CREDIT UNION
State: TX

Complaint narrative:
I have had a credit card with Alliant Credit Union for over 5 years. I have always used the auto pay in full feature on their website. Recently, XXXX XXXX, I noticed a small credit interest charge. I called the company and they admitted fault, refunding the charge. Since then I was charged again in XXXX, XXXX, XXXX, XXXX, and XXXX. I have called repeatedly, given the run around. I even was instructed to cancel the autopay system, and set it up again because it was glitched. I did so, but keep incurring monthly interest charges. The only way I have avoided charges in XXXX, is by manually going in and making a full payoff amount outside of the automated system. I do not understand how a automated system can promise to pay off a balance in full each month, only to allow a balance and charge interest. I so far have only been cost a few XXXX dollars, but I feel this activity is intentional to deliver higher profits off of people who do not notice the small interest charges ( about XXXX dollars each month ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-13 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:
They are reporting a account that is for a totaled vehicle from. XXXXXXXX XXXX account when XXXX and gap paid the principal balance of the loan so they are reporting interest and I feel that they have been keeping my credit on the bias side that makes it hard for me to get treated fairly on any purchases I have documents from XXXX and gap on this account

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-02-13 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: MO

Complaint narrative:
There was a data breach and my telephone, social security number, address, email address and birth date was leaked and is on the black web.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief