vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My card was stolen I told capital one and the deleted it and then it was put back on by XXXX and now my credit is shot when I have been in contact with both companies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
Consumer Financial Protection Bureau Complaint Subject : XXXX Reporting Inaccurate Payment History on Credit Report Date : XX/XX/XXXX Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint details : Credit Bureau Involved : XXXX Account Information : Creditor Name : Bridgecrest Credit Company Description of the Issue : XXXX has reported inaccurate payment history on my credit report, as evidenced by the attached screenshots from XXXX. These errors are severely impacting my credit score and financial opportunities. Despite prior efforts to dispute these inaccuracies directly with XXXX, no corrective action has been taken. 

The payment history details several errors, including : In XXXX, late payments ( XXXX and XXXX  days ) are inaccurately reported for XXXX, XXXX, XXXX, and XXXX. 
In XXXX, there are inaccurate entries of XXXX and XXXX  days late for several months, despite payments being made on time. 
In XXXX, the account history reflects XXXX, XXXX, and XXXX days late for months where payments were not actually overdue. 

This false reporting violates the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to ensure that all consumer information is accurate and verifiable. 

Additionally, this situation exemplifies systemic issues recently identified by the CFPB in its enforcement action against XXXX. In XX/XX/XXXX, the CFPB fined XXXX {$3.00} XXXX for failing to address consumer complaints effectively and mishandling disputes. My experience aligns with these documented deficiencies, as XXXX has failed to properly investigate my dispute or resolve these inaccuracies. 

Resolution Requested : I request the CFPB to assist in ensuring XXXX : Conducts a full and thorough investigation of the disputed items using all available evidence. 
Corrects or removes the inaccurate entries for XXXX, XXXX, and XXXX, and provides me with an updated and accurate credit report. 
Issues a formal apology for the harm caused by their negligence. 

Attachments : Screenshots from XXXX  account showing the inaccurate payment history ( XXXX, XXXX, and XXXX ). 

These errors have had a detrimental effect on my financial stability, including loan denials and increased interest rates. I request the CFPB to intervene to ensure XXXX takes appropriate action to resolve these issues. 

Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
So I put in a complaint of last year with the bank financially not giving the understanding of why the sum of all financial charges progressive was not included or the insurance wasn't included and the sum of all charges which I think it is. But now I see that they put me in a high price loan with low income. Still knowing the fact that I would default still knowing the fact that this is a joke to them. Price gouging during a state of emergency putting me in a {$60000.00} vehicle and then still acting as if they don't get it. Normally when you go into a company and they put you in a car. The first thing that happens is they say driver 's license and if you want to get in this we don't do anything. The bank will let us know. We don't have any control over it right? The bank then reviews everything that was put down and the bank will come back and say they are yet this Bank overlooked everything that was going on. Not only would they, they put me in a {$60000.00} vehicle price gouge during the state of emergency but then to act criminally and do what they are doing while being in lawsuit during the pandemic and everybody that was in the pandemic knows that everything slowed the process down when going to court when doing all this other very weird stuff. So criminally what I think happened as I think they manipulated the conversation while being in lawsuit. They sold me a vehicle that was {$60000.00} {$60000.00}. I told him at the time the income that I was making they overlooked the income. They overlooked the facts and they got me into a vehicle knowing I was going to default because they have nothing to lose. They're a bank. Why do they care they just work there? I would love for the bank to give me a clear clarification on what the they were doing while still being in lawsuit with XXXX other states. Knowing that the courts weren't moving, they decided to illegally do what they're being sued for in another state that was not suing them. That is criminally insane to me that they are still doing the act that they got sued for by XXXX other states well in a state world emergency. Excuse me, they decided to use excessive Force and price gouging a car that was probably around {$30000.00}. They made it {$60000.00} even with {$15000.00} down. That makes no sense. This isn't even a luxurious vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: PA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I XXXX XXXX XXXX XXXX XXXX certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-22 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: GA

Complaint narrative:
The following inquires were not done by me. Please delete due to fraud identity theft : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-01-22 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: Global Lending Services LLC
State: FL

Complaint narrative:
# 2 These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

# 3 15 U.S. Code 1681c2 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, not later than 4 business days after the date of receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EGL US, LLC
State: NC

Complaint narrative:
Company calls multiple times a day and after they call they send a text and an email. They are violating California debt collection harassment laws and need to stop communicating with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, as referenced below. These entries appear to be the result of a data breach, fraud, or unauthorized activity. I request verifiable proof, including my signature or electronic signature, for any transactions or inquiries associated with these entries. 

Please note that I am submitting this letter on my own behalf and not through a third party. I ask that you carefully review this matter, as I did not authorize these actions. These unauthorized entries constitute a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which requires the blocking of information resulting from a data breach or fraud, and Section 604 ( 15 U.S.C. 1681b ), which defines the permissible purposes for consumer reports. 

I have already contacted the relevant companies and found that these actions were initiated without proper validation or original documentation from the reporting entities. Since I did not authorize these accounts or inquiries, they should be classified as a result of a data breach or illegal reporting by creditors or third-party data furnishers. 

I request that you conduct a thorough investigation into this matter and take the appropriate action to resolve these discrepancies as soon as possible.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit XXXXeporting 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 a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$9900.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$400.00}, credence resource XXXX Account # XXXX date opened XX/XX/XXXX bal. {$280.00}, XXXX & XXXX, XXXX Account # XXXX date XXXX XX/XX/XXXX XXXX {$180.00}, XXXX. XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$100.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( 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 non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently uploaded a copy of my FTC report, license and proof that my information has been exposed in the latest XXXX data breach as well as the breach of XXXX XXXX. The proof shows that my info was breached during XXXX and XXXX. I have been disputing some of these items since before XXXX and they still remain. When they were not removed based on me being a victim of identity theft, I tried to attack the huge inaccuracies and inconsistencies but Experian, XXXX, and XXXX still keep verifying the debts without sending me any verification as requested and the items remain on my credit report. I Just did a cfpb complaint and disputes pursuant to 605b and its been well beyond 4 business days and the items remain and the credit reporting agencies are refusing to remove these items from my credit score and everyone is saying that they will reinvestigate again and again when nothing is being removed and not only have I provided proof of inaccurate and inconsistent information but proof that my information was breached as well.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} Late/Closed XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX {$640.00} Late/Open Inquiry in Dispute : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Im a victim of the data breach and would like for the mentioned accounts to be removed

Company response to consumer: Closed with explanation