vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-03-28 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
The CFPB claims that XXXX failed to properly investigate consumer disputes, conducted " sham investigations '' instead of reasonable investigations, and improperly reinserted inaccurate information into credit reports. 
Specific Failures : The CFPB alleges that XXXX : Used faulty dispute intake procedures and failed to convey consumers ' disputes to furnishers fully and accurately. 
Routinely and uncritically accepted furnishers ' responses, even when those responses were improbable or illogical. 
Failed to provide adequate written notice to consumers of the results of its reinvestigations. 
Failed to prevent the improper reinsertion of previously deleted information from consumer credit files. 
Failed to follow reasonable procedures to ensure the accuracy and completeness of the information it reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX Account # XXXX, opened : XXXX XXXX - ( {$3300.00} ) Account # XXXX, opened : XXXX XXXX - ( {$540.00} ) Account # XXXX, opened : XXXX XXXX - ( {$1000.00} ) I requested validation for all three account and received no response from them. Yet they still report the accounts on Experian, XXXX and 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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX Account # XXXX, opened : XXXX XXXX - ( {$3300.00} ) Account # XXXX, opened : XXXX XXXX - ( {$540.00} ) Account # XXXX, opened : XXXX XXXX - ( {$1000.00} ) I requested validation for all three account and received no response from them. Yet they still report the accounts on XXXX, Equifax and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX Account # XXXX, opened : XXXX XXXX - ( {$XXXX} ) Account # XXXX, opened : XXXX XXXX - ( {$XXXX} ) Account # XXXX, opened : XXXX XXXX - ( {$XXXX} ) I requested validation for all three account and received no response from them. Yet they still report the accounts on XXXX, XXXX and Trans Union.

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 2025-03-28 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: FL

Complaint narrative:
I hope this letter finds you well. I am writing to formally dispute credit inquiries that appear on my credit report, which I believe are not accurate and are causing potential harm to my creditworthiness. As a consumer, I am protected by the provisions of the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and the XXXX XXXX laws, which require accurate and fair reporting of credit information. 

According to the Fair Credit Reporting Act, credit inquiries can only be made for the following permissible purposes : 1. A Firm Offer of Credit 2. Insurance 3. An XXXX for XXXX 4. A XXXX XXXX I have no recollection of conducting any business with these companies or authorizing this credit inquiries. In accordance with my rights under FCRA, I directly to rectify this matter, requesting that they remove the inquiry from their records and update all credit reporting agencies accordingly. They have assured me of their cooperation in resolving this issue, but to ensure a thorough investigation, I am also approaching your agency.

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 2025-03-28 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: PA

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-03-28 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: PR

Complaint narrative:
In XXXX, I began reviewing my credit report, which showed that the payments on my XXXX  loan were accurate. Since XXXX, due to COVID-19, there have been relief measures for XXXX  loans. I also completed the documents to qualify for the relief program offered by Biden for XXXX  loans. Ensuring that everything was in order, I opened an account in XXXX with the lending company XXXX and had a debt of {$260.00}, which was paid off on XX/XX/XXXX. However, on XX/XX/XXXX, I was reported to the credit company for a late payment without receiving any postal correspondence or phone calls. They claimed I was 90 days late, which does not match what my credit report states, as only two of the three companies have reports up to XX/XX/XXXX. 

I contacted the company several times to get an explanation. After many attempts to resolve the issue, an agent informed me that the company had been bought by another organization and that this was happening to many people with XXXX  loans. It was supposed to notify borrowers before starting collections, which was not the case for me. My credit score was docked XXXX points. After further insistence, they told me they would send a letter to the credit company to help me since I paid on time. I have yet to receive a response. I have three XXXX  loan accounts, and I am facing the same issue with all of them. Additionally, some of these loans appear as closed accounts from a long time ago, and I would like these to be verified as well since this is impacting my credit. My account is up to date, and I am even making early payments, sometimes more than once a month. Attached is a letter received in XXXX. Please verify my three XXXX  loan accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: PR

Complaint narrative:
In XXXX, I began reviewing my credit report, which showed that the payments on my XXXX  loan were accurate. Since XXXX, due to COVID-19, there have been relief measures for XXXX  loans. I also completed the documents to qualify for the relief program offered by Biden for XXXX  loans. Ensuring that everything was in order, I opened an account in XXXX with the lending company XXXX and had a debt of {$260.00}, which was paid off on XX/XX/XXXX. However, on XX/XX/XXXX, I was reported to the credit company for a late payment without receiving any postal correspondence or phone calls. They claimed I was 90 days late, which does not match what my credit report states, as only two of the three companies have reports up to XX/XX/XXXX. 

I contacted the company several times to get an explanation. After many attempts to resolve the issue, an agent informed me that the company had been bought by another organization and that this was happening to many people with XXXX  loans. It was supposed to notify borrowers before starting collections, which was not the case for me. My credit score was docked XXXX points. After further insistence, they told me they would send a letter to the credit company to help me since I paid on time. I have yet to receive a response. I have three XXXX  loan accounts, and I am facing the same issue with all of them. Additionally, some of these loans appear as closed accounts from a long time ago, and I would like these to be verified as well since this is impacting my credit. My account is up to date, and I am even making early payments, sometimes more than once a month. Attached is a letter received in XXXX. Please verify my three XXXX  loan accounts.

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 2025-03-28 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-03-28 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America froze my account today XX/XX/year>. I called they said my account was in the process of closure, that I had to wait XXXX hours for them to have a closure date. They did not give me my money I had XXXX dollars there, and my direct deposit pending for XXXX. I am stranded with no money and bills owed.

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 monetary relief
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past XXXX 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 VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : 1. Unknown third parties gained access to my financial login credentials.

2. My automatic payment settings were altered without my knowledge.

3. 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 : 1. Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

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

3. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Date of Account Limitation : XX/XX/year> My email account associated with the account in question received an automated email from Paypal explaining that my account was " permanently limited '' on XX/XX/year>. I did not know until I tried to make a purchase around XX/XX/year>. Upon realizing that a payment is not going through, I decided to log into my Paypal. That is when I first discovered my account was " permanently limited. '' I investigated the website further and found their " resolution center '' via a " help '' link. The " resolution center '' did not have any issue listed for me to resolve. Afterwards, I used their " contact us '' link to see if I am able to contact someone. The link took me to a chat messaging system on their website that uses artificial intelligence ( A.I. ) to answer questions/concerns. I ask how to resolve this issue and the A.I. essentially explains there is nothing I can do about it. I then file a complaint with the BBB, on XX/XX/year>, requesting that they either reach out to me or lift my account 's " limitation. '' I am no longer interested in keeping the account open ; however, I want to close the account because it has multiple payment methods linked to the account. 

After these issues, I do not find that Paypal is trustworthy enough to remain with the payment methods referenced previously and wish for all of them to be removed and my account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I have had my credit locked for over a year now. On XX/XX/year>, I received a notification from XXXX that my credit was unlocked and that there was a new hard inquiry from Santander Consumer USA Inc. that I did not apply for. I locked my credit again through the XXXX app right away. The next morning, I called Santander and told them it was fraud, and I did not apply for any loans or even attempt to open an account with them. Next, I called XXXX and asked if they had any additional security methods that I could add on my account when calling in because the ones who stole my identity knew all of my personal information including my SSN. They told me if they got the verification questions right, they had to assume it was me. A few days after that I received license plates and registration in the mail and the registration said that Santander was the lienholder and I was the registered owner. I looked up the address that the plates were sent from and it was XXXX in XXXX XXXX. I called XXXX and made them aware of the situation and told them I never bought a car with them and let them know it was fraud. They advised me to file a police report. I called Santander again and request to know what information they had on the account. The representative told me that the address on file was XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( not my address, don't know anyone at the address ), XXXX ( not my email ), and XXXX ( not my phone number, don't know anyone with that number ). There was not an account number created yet so they could not provide that.

Company response to consumer: Closed with explanation