vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: PA

Complaint narrative:
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 I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a XXXX application on my mobile device. This XXXX, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : Unknown third parties gained access to my financial login credentials. 
My automatic payment settings were altered without my knowledge. 
This interference led to the late payments that are now inaccurately reflected on my credit report. 
FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me.

Requested Resolution : I am requesting the following actions : Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

A written confirmation verifying that these late payments have been removed.

A compliance review to ensure that my account information is reported accurately in accordance with federal regulations.

If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably.

Please confirm resolution of this dispute at your earliest convenience.

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 2025-03-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-03-20 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: NC

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Goldman Sachs has incorrectly attributed late payments to my consumer report, despite the fact that all payments were made on time, in full, and on their respective due dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NC

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$4500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$1400.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$840.00} XXXX XXXXXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX  XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: NC

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$4500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$1400.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$840.00} XXXX XXXXXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX  XX/XX/2023

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 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I deposited a check XXXX and the locked me out my account and the said the cant verify me and I need my money

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 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have no idea who this company is that's hitting me up and have this on my credit report I did not get permission for my information to get leaked out so they should not have it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXXXXXX Balance : {$200.00} - tied up XXXX XXXXXXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$480.00} XXXX XXXX Balance : {$200.00} - tied up XXXX XXXX XXXX Balance : {$250.00} XXXX  XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$480.00}

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 2025-03-20 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-20 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding Santander Consumer USA account XXXX in response to CFPB complaint XXXX. First, Santanders own documentation contradicts what is being reported to the credit bureaus. Their response states that my account balance is {$33000.00}, yet all three major credit bureausXXXX, XXXX, and XXXX reporting a balance of {$27000.00}. If Santander claims they are not responsible for how credit bureaus report information, then why are all three bureaus reporting the same incorrect balance? As the furnisher of data, Santander is directly responsible for ensuring accuracy under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Additionally, the date last active and date of last payment vary across my credit reports, indicating re-aging of the accounta serious violation of the FCRA. The inconsistent dates make it impossible for the account to be accurately reported and suggest that Santander is manipulating the reporting timeline to keep this negative information on my credit file longer than legally allowed. Second, Santander failed to acknowledge my Servicemembers Civil Relief Act ( SCRA ) protections. Their response claims that they have no record of my active-duty status or supporting documentation. However, I did provide my ID and proof of service over a year ago, and I will be including these documents in my legal case file. It is not my responsibility to resend documents due to their failure to properly review my dispute. Furthermore, Santander admits in their response that they recovered my vehicle from an impound lot on XX/XX/XXXX, and later sold it at auction on XX/XX/XXXX, XXXXwithout acknowledging the legal protections provided under the SCRA. Federal law requires a court order before repossessing a vehicle owned by a servicemember on XXXX XXXX, and Santander has a history of violating these protections : XXXX Settlement : Santander was found to have illegally repossessed XXXX vehicles without court orders. 
XXXX Settlement : Santander unlawfully denied lease termination requests from servicemembers. Due to these clear violations, I am demanding the immediate removal of this account from my credit report for the following reasons :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened 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 explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Family Choice Financial, Inc.
State: MS

Complaint narrative:
First of all, the company, Family Choice Financial in XXXX XXXX XXXX XXXX charged my debit card twice and caused me to overdraft at my bank and when I contacted the company they told me they could take out the money to pay me back and add it on to the back of my loan, which I thought meant they were going to remove that payment and add another month to the end of my loan since they had taken double the monthly payment so I went into the facility and signed the documents and later I found out that they had taken out another loan instead of doing what they said they were going to do so I called the office to tell them that I did not want to take out another loan and they told me it was too late if I had already cashed the check which was for the amount that they had taken when they charged me twice but now I owed them $ XXXX more for them giving me back what they wrongfully took. Until this point I had paid them monthly and only owed a very small amount left. Then immediately after getting off the phone with the office, I had a car accident and could not pay the monthly amount so they filled a law suit that I did not know about and it resulted in my wage garnishment. After they garnished XXXX out of my wages, I asked if I could set up payment plans with them and they will not answer or return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
I requested general foreberance on XXXX from Mohela.. I have yet to receive a response from Mohela. In the interim my credit score has dropped by over XXXX points. I have emailed and called several times and I have still yet to receive any answers about the status of my account. I even submitted a complaint to CFPB and they haven't responded to that either. Due to the freeze on XXXX XXXX XXXX and the subsequent removal of the application I was unable to recertification my XXXX plan. Now my payment will skyrocket to XXXX on XXXX. I can't pay that either. They don't answer phone calls as I have waited on hold for XXXX hours only to not get anyone on the phone. I'm afraid I will default on my loans. I have done everything I was suppose to do, but they don't do what they are supposed to do. It's has destroyed my credit and I'm afraid of garnishment. We deserve better treatment than this!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX  days since I filed my complaint.

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 2025-03-20 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: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX  days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I noticed on my credit report that TransUnion had placed a duplicate account for my student loans with XXXX on my credit report. On XX/XX/XXXX, XXXX XXXX sent me a notification email saying to check my XXXX account ; and then again on XX/XX/XXXX asking me to check for errors on my credit report. On XX/XX/XXXX, I filed a Dispute with TransUnion regarding an additional student loan amount ( {$69000.00} vs {$69000.00} ) on my credit report. A confirmation of the Dispute auto-generated on XX/XX/XXXX saying the matter would be resolved within 30 days. On XX/XX/XXXX, I received an email update from TransUnion saying the investigation was under way. On XX/XX/XXXX, I received a notification from TransUnion saying they are rejecting my Dispute because it " has already investigated this matter and verified the existing information on my credit file ''. On XX/XX/XXXX, I filed the Dispute again ; however this time, I contacted XXXX by email within their portal and asked that they confirm or reject one of the amounts as accurate once they are contacted by TransUnion. To date the amount remains on my TransUnion account, and I am making an additional phone call today to see if a live representative can be reached.

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