vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Incurate Names XXXX XXXX XXXX XXXX Inaccurate Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Late Closed XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX {$160.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX {$100.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$310.00} Date Opened XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$8300.00} Date Opened XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX {$600.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX {$3600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$83.00} Date XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/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 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am filing this complaint against Commenity BankXXXX XXXX reporting three incorrect late payments on my credit report in multiple months. This inaccurate reporting violates 15 U.S.C. 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to provide accurate and complete information to consumer reporting agencies. 

Details of the Inaccuracy : - Three late payments were inaccurately reported, despite my records showing timely payments. 
- The errors appear across multiple months, further compounding the damage to my credit history. 
- Commenity BankXXXX XXXXXXXX failed to properly investigate and correct these inaccuracies after my dispute. 

Steps Taken : 1. I disputed the inaccurate late payments with the credit bureaus and directly with Commenity Bank. 
2. Commenity Bank failed to provide verification or correct the erroneous entries. 
3. Despite their failure to confirm the validity of the late payments, they remain on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/year> my information was obtained illegally by DOGE under the FERPA, guidelines, I did not give written consent to this invasion of my privacy where both XXXX loans were ascertained from both XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX where they were illegally obtained information which ultimately has impacted any credit I may have had under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) I did not give any consent to that invasion of privacy which has impacted other continuances to seek remedy, impacting my credit, providing endorsement to other creditors to deny myself opportunities to obtain credit due to late payments, educational credit, or even purchase a home. under 15 U.S.C Code 1681 ( 2Xi ) Code 1666h, 12 CFR 1026.13 Collections : 15 U.S.C code 1692 ( c ) ( g ) 15 U.S.C 1681 ( b ). Medical 15 U.S.C. 1692 ( g ) and 15 US.C. Code 1681 e ( b ) and a car repo that my son did not pay on, due to me co- signing on 15 U.S.C . Code 1681 ( a ) ( 2 )

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 2025-03-16 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: Block, Inc.
State: MD

Complaint narrative:
On XXXX Cashapp closed my account with no explanation there was no illegal activity or anything on my account they asked me to verify myself which I did twice they asked for a picture of my ID and a non cashapp debit card I submitted both items my account was wrongfully closed and no one is giving me an explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
A money order of {$600.00} was sent to Santander XXXX USA in the year of 2022. I've called Santander to verify the status of the order and their response was that the order was never received. However, when I called XXXX XXXX for tracking, their response was that the money order was cashed. For the past XXXX years, Santander have been marking my credit score for lack of this {$600.00} payment. This marking on my credit score has been causing me financial hardship and distress. I want Santander XXXX USA to please show me documentation proof of this non payments transactions on my account. If they can not supply this, please delete this alleged late payments from my credit report. The FCRA allows 30 days for this to be rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: NJ

Complaint narrative:
his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX - XXXX **** Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX  - XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all 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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On my credit report old accounts that are closed or charged off keep appearing as active like Im using them also there are several accounts that are very old on my credit report that are being reported like there still in use. I dont feel like the credit bureau is reporting my credit score correctly. I have disputed several times but nothing changes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: GA

Complaint narrative:
I contacted XXXX by phone to inquire about late payments showing on my credit report within the last month of 120 days past due and was told that my account status should not being showing any past due amount. This has had a negative impact on my credit worthiness in the eyes of other creditors and I am in the process of purchasing a home. I was told by a supervisor that the account would be corrected and removed due to my Total and Permanent Discharge eligibility.

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 2025-03-16 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: GA

Complaint narrative:
I contacted XXXX by phone to inquire about late payments showing on my credit report within the last month of 120 days past due and was told that my account status should not being showing any past due amount. This has had a negative impact on my credit worthiness in the eyes of other creditors and I am in the process of purchasing a home. I was told by a supervisor that the account would be corrected and removed due to my Total and Permanent Discharge eligibility.

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 2025-03-16 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: GA

Complaint narrative:
I contacted XXXX by phone to inquire about late payments showing on my credit report within the last month of 120 days past due and was told that my account status should not being showing any past due amount. This has had a negative impact on my credit worthiness in the eyes of other creditors and I am in the process of purchasing a home. I was told by a supervisor that the account would be corrected and removed due to my Total and Permanent Discharge eligibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of a data breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than four business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I disputed this account ( XXXX ) from this creditor. I sent a debt validation letter. The company failed to provide accurate validation of debt, and the assignment contract as requested. The company sent a letter from a creditor that I have no knowledge of. This company reported this debt on my credit report. I am disputing this account for the following reasons... Under the 15 U.S.C G 1692 G, this account is not mine. The balance being reported is not correct. I have no prior knowledge of this account, and it does not belong to me. You have not provided enough proof that this account is mine. According to 15.U.S.C 1692 C they are violating my rights by reporting this debt in my report. This debt is invalid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Ca XXXX XXXX XXXX Date : XX/XX/2025 To : Experian XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Formal Dispute Regarding Fraudulent Charges on My Credit Report Dear Experian I am writing to formally dispute several items on my credit report that are inaccurate and fraudulent. Despite my XXXX prior requests over the past year, these errors have not been resolved. I have attached court orders confirming that the debts in question belong to XXXX XXXX XXXX and not me. Additionally, I have included evidence of local and federal fraud charges against her. 

Disputed Items Fraudulent Charges : These debts were fraudulently added to my report without proper validation or notification. I was never informed when these debts were attributed to me. 

Address Discrepancy : My report incorrectly lists an address at XXXX XXXX XXXX, which is not and has never been my residence. This address is associated with XXXX XXXX fraudulent activities. 

Supporting Documentation Court orders proving these debts are hers. 

Proof of federal and local fraud charges against XXXX XXXX. I demand the following actions be taken immediately : 1. Remove all fraudulent debts from my credit report.

2. Correct my address to reflect accurate information 3. Provide written confirmation of these corrections within 30 days of receipt of this letter. 

Your failure to properly validate these debts and address my repeated disputes violates my rights under the Fair Credit Reporting Act ( FCRA ). If this matter is not resolved promptly, I will have no choice but to pursue legal action for damages caused by your negligence. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated timeframe. 

Sincerely, XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: NY

Complaint narrative:
Good day to all. I started receiving Social Security after my husband passed away some years ago. I received correspondence from Social Security directing me to choose a financial institution in my area where they could send my benefits. I received the debit card from XXXX XXXX, called the number on the back to activate and all was fine. Monies were deposited on to the card each month. A few years went by and then I noticed that when I would go to make a withdrawal, I was told I would be charged an ATM fee of {$3.00} each time a withdrawal is made. I thought the financial institution I utilize was the one charging the fee. Fast forward to reading an article about a senior having a problem activating his new debit card and having to jump through hoops to get his new I, D., I find out that XXXX  of persons are being charged this same ATM fee by Comerica. Now if they are unlawfully charging this fee to an untold amount of persons receiving Social Security benefits shouldn't there be a refund. And keep in mind I've been charged this fee every month for years. What, if anything can be done. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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 OF XXXX  AND 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 AND XXXX. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX 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 XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: PA

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

I looked at my EQUIFAX ACCOUNT XXXX and noticed errors and inaccurate items. 
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 general if, after any re-investigation 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 re-investigation; 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 response to consumer: Closed with non-monetary relief