vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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:
XXXX writing today to voice a concern about an issue which the credit bureau has not complied with. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. XXXX has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am writing to formally dispute a loan that has been mistakenly attributed to my name. The loan account in question listed with account number # XXXX, was issued by Chrysler Capital for an amount of {$63000.00} in XXXX XXXX.

I have never applied for or authorized this loan, and I believe this may be an error in your records. I discovered this issue on XXXX XXXX while reviewing my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
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 SAFE FEDERAL CREDIT XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX : # XXXX, has violated my rights. 

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 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 suppose 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. 

15 U.S.C. 1681B ( 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 2025-01-02 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: SC

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 XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX  XXXX : # XXXX, has violated my rights. 

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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 suppose 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.

15 U.S.C. 1681B ( 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 2025-01-02 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: NJ

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. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-01-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom it may concern, I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. Upon reviewing my credit file, I noticed the following inquiries that I did not authorize : [ INFORMATIVE RESEARCH ] [ XX/XX/year> ] In accordance with the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 2 ), hard inquiries require express authorization from the consumer. If an inquiry is not authorized or verifiable, it must be removed from my credit report under Section 611 ( a ), which grants me the right to dispute inaccurate or unverifiable information. 

As these inquiries were not authorized by me, I am requesting that you immediately investigate and remove them from my credit report. I have attached a copy of my identification. 

Please be advised that, at this time, I have placed a freeze on my credit to prevent any potential fraudulent activity due to the unauthorized inquiries. I believe this precaution is necessary to protect my credit and personal information while we resolve this issue. 

Please provide me with written confirmation of the removal of these inquiries or, if you believe these inquiries were authorized, provide proof of my consent. Failure to do so within 30 days constitutes a violation of the FCRA and may result in further action. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates to my address above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
Lexington Law firm I have been with this company since XXXX. Since that time my credit has stayed the same. I paid them {$45.00} a month faithfully up until XXXX. This company has failed to give me any hope in reference to my credit being fixed, I have also requested information on how and what letters theyve sent to my creditors. Whenever I contact my creditors to see if they had removed the items and to see if Lexington law firm has contacted them. The creditor stated that they have not spoken to anyone from Lexington law firm I discontinued my contract in XXXX with Lexington law firm

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: CA

Complaint narrative:
Every time I try to make a payment, it says payment reversal. I dont know why, but when I do make a payment and I get that payment reversal, it brings my loans to say that Ive missed a payment and then that brings my interest up. I dont understand why they keep reversing my payments And boosting my interest when Im making payments on time with a little more than what the payment is asking.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: LA

Complaint narrative:
THE FCRA DEFINES IDENTITY THEFT AS FRAUD COMMITTED USING IDENTIFYING INFORMATION OF ANOTHER PERSON. INFORMATION OF ANOTHER PERSON WHEN THE ALLEGED ORIGINAL CREDITOR SOLD MY INFORMATION WITHOUT MY EXPRESSED APPROVAL OR KNOWLEDGE THATS " A FRAUD '' WHICH MAKES THE WHOLE THING IDENTITY THEFT. 

ORIGINAL CREDITOR 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 believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number, as well as documentation that proves this account is late. If you can't provide me with this information in 15 days, update the account to PAID/NEVER late and send me a copy of my updated 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 2025-01-02 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: LA

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 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 2025-01-02 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: LA

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 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 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX payroll check {$220.00} from my current job was sent to am old cashapp account that I can't get access to because I no longer get in my old email and recovery phone as well. My purse and phone was stolen a few months ago. On XX/XX/year> my friend XXXX XXXX accidentally sent me {$180.00} to my old Cashapp account which is the same account I have issues with. I called, email and chatted with Cashapp agents. I did everything they asked. I gave them the correct account information and even verified my identification on the app. But for some security reasons, which the refuse to tell me in detail the reason why. I filed a complaint with the XXXX FTC AND FDIC. Trying to resolve the issue and I filed a subpoena with Block .inc legal department XXXX 
I have not heard back from Cashapp yet. 
Please help me understand what can I do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXXXXXX 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 2025-01-02 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:
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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-01-02 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: NV

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MD, XXXX XXXX XX/XX/25 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Payment Date Account # XXXX Dear XXXX XXXX Department, I am writing to formally dispute the inaccurate reporting of the payment date and amount due on my closed Capitol One credit card account ( # XXXX ) as reflected on my XXXX credit report. I have reviewed both my XXXX and XXXX credit reports, and the payment dates for this account do not match. This discrepancy is misleading and may negatively affect my credit profile.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are obligated to ensure the accuracy of the information you report. I request that you : 1. Investigate this matter and verify the accurate payment date for Account # XXXX. 
2. Correct any inaccuracies found during your investigation.

3. Provide me with a written explanation of your findings and the actions taken to address this issue. 

To assist with your investigation, I have included the following documentation : - A copy of my XXXX credit report highlighting the disputed account. 
- A copy of my XXXX credit report showing the discrepancy in the payment date for comparison. 

Please note that this letter serves as my formal dispute of the inaccurate information. I request that you complete your investigation within 30 days, as required by the FCRA. If you find that the information can not be verified, you must promptly remove the disputed information from my credit report. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates regarding the status of your investigation. If additional information is needed, feel free to contact me at XXXX. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I reviewed my credit profile on XXXX, 2025, and I noticed inquires I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: NV

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information 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 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I was denied access to our account. When I visited bank branch I was harassed by the lady who previously also harassed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
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