vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with XXXX, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect Name - XXXX XXXX XXXX Incorrect DOB - XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX EMPLOYER - 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 2025-03-09 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: CA

Complaint narrative:
I submitted this to the cfpb XX/XX/scrub> 2025 and it is XX/XX/year>2025 and no movement on this complaint!!! 

These unauthorized inquiries were done without my knowledge or permission.

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 2025-03-09 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: Exeter Finance, LLC.
State: MD

Complaint narrative:
Hard inquires i did not approve for that occur on the date : XX/XX/scrub>XXXX  for the following XXXX XXXX XXXX, Exeter finanace llcXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: Global Lending Services LLC
State: MD

Complaint narrative:
Hard inquires i did not approve for that occur on the date : XX/XX/year> for the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year> Contents of Complaint : This 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-03-09 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: PNC Bank N.A.
State: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PNC BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my XXXX consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). 

I have not initiated any transaction with XXXX OF XXXX XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX OF XXXX for XXXX XXXX XXXX. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
Experian has failed to fulfill its legal ' obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed Information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. I sent over multiple documents proving I never lived at the address that is associated with negative remarks on 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 explanation
Consumer complaint received 2025-03-09 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: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 explanation
Consumer complaint received 2025-03-08 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: IL

Complaint narrative:
I am filing this complaint against TransUnion, Equifax, and Experian for improperly re-reporting previously deleted late payments on my credit report. 

Background : I had late payments from XXXX to XXXX due to financial hardship from a flood disaster. 
I successfully requested a goodwill adjustment from XXXX XXXX XXXX XXXX, and the late payments were removed from my credit report. 
However, despite this correction, the late payments were recently re-added without notice or explanation, causing significant damage to my credit score.

Violations & Concerns : Re-insertion of Previously Deleted Information ( FCRA Violation - 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) The Fair Credit Reporting Act ( FCRA ) prohibits re-inserting negative items unless the furnisher provides written certification of accuracy. 
Neither XXXX XXXX XXXX XXXX nor the credit bureaus notified me before re-reporting these late payments. 
Failure to Notify Me of the Re-Insertion Under the FCRA, if a previously deleted item is reinserted, the credit bureaus must notify me in writing within 5 days of the re-reporting. 
I received no such notice from TransUnion, Equifax, or Experian. 
Unfair & Deceptive Practices The sudden re-reporting of late payments after they were previously removed is unfair and deceptive. 
This action is causing me financial harm and affecting my ability to secure a mortgage.

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 2025-03-08 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and XXXX  health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-03-08 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and XXXX  health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: MD

Complaint narrative:
Hard inquires i did not approve for that occur on the date : XX/XX/year> for the following Santander Consumer USA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX santander consumer usa.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Notice of Dispute Inaccurate Information on Credit Report Credit Report Numbers : Experian : # XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have identified the following errors that require investigation and correction : Inaccurate Information : 1. Creditor Name : XXXX XXXX o Account Number : XXXX o Inaccuracy : Reporting inaccurate account details. 
XXXX. Creditor Name : XXXX XXXX XXXX  o Account Number : XXXX o Inaccuracy : Reporting inaccurate account details. 

Supporting Documentation : I have enclosed copies of the following documents to support my dispute : Copies of my credit reports from Experian.

Request for Investigation : Under the FCRA, you are required to investigate and correct any inaccuracies
within 30 days of receiving this notice. Please : 1. Investigate the disputed items. 2. Correct or delete any inaccurate, incomplete, or unverifiable information. 3. Provide me with a written resp
onse detailing the results of your investigation.

4. Send an updated copy of my credit report reflecting the changes.

If you determine that the disputed information is inaccurate, you must also notify the furnisher of the information ( e.g., the creditor ) to ensure their records are updated. 

Additional Information : Full Name : XXXXXXXX XXXX XXXXXXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : * -- XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please confirm receipt of this dispute and keep me informed of the investigations progress. If you fail to respond within the required timeframe, I reserve the right to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your prompt attention to this matter. 

Sincerely, BY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WITHOUT RECOURSE Enclosures : Copies of my credit reports from Experian.

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 2025-03-09 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: FL

Complaint narrative:
Equifax XXXX XXXX XXXX, XXXX, GA XXXX Re : Request for Deletion of Settlement from Credit Report Account Number : XXXX ( XXXX XXXX ) Dear Sir/Madam, I am writing to formally dispute the accuracy of the settlement payment reflected on my credit report for the above-referenced XXXX XXXX account ( Account Number XXXX XXXX ). I respectfully request that this entry be deleted from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Upon reviewing my credit file, I have identified that the settlement payment for this account is negatively affecting my credit score and inaccurately reflects my financial standing. Under U.S. law, I am entitled to a fair and accurate credit report. Given that the settlement payment has been made in full, I believe this entry is no longer a reflection of my current financial situation. 
Please be advised that I am exercising my rights under the Fair Credit Reporting Act, which requires that all information on my credit report be accurate, complete, and verifiable. The settlement payment made to XXXX XXXX has been satisfied, and I request that this entry be removed from my credit report. I would also like to remind you that according to the FCRA, negative information should only remain on my credit report for a limited period, and I believe this settlement has exceeded the appropriate duration. 
As such, I am requesting that you conduct a thorough investigation into this matter, and based on the outcome of your investigation, please delete any reference to this settlement from my credit re-port. 
Please confirm receipt of this letter and provide me with written notification of the results of your investigation and any actions taken. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Identity Theft Request to Block Fraudulent Information and Update Personal Details Complainant Information : Full Legal Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX FTC Identity Theft Report Number : XXXX Law Enforcement Report : XXXX Complaint Details : I am filing this complaint to report identity theft and the failure of the credit reporting agencies to remove fraudulent information from my credit report. I have been unable to access my credit profile, and unauthorized accounts have been opened in my name. Despite multiple attempts to correct my personal information and request fraud alerts, the credit bureaus and data furnishers have not complied with federal regulations. 

Issues Reported : Failure to Block Fraudulent Accounts Under 15 U.S.C. 1681c-2, I submitted a request to block fraudulent accounts, yet they remain on my credit report. 
My identity was compromised due to multiple data breaches, and fraudulent accounts were opened without my consent. 
Failure to Provide Method of Verification As per 15 U.S.C. 1681i ( a ) ( 6 ), I requested the method of verification for disputed accounts, but no response was provided. 
The credit bureaus have failed to verify the accuracy of disputed information. 
Failure to Update Personal Information Full Legal Name : My legal name should be listed as XXXX XXXX only. 
Address : Only my current address ( XXXX XXXX XXXX, XXXX, GA XXXX ) should be listed ; all outdated addresses must be removed. 
Phone Numbers : All phone numbers listed must be removed as they are outdated. 
Social Security Number & Date of Birth : My SSN and DOB should not be displayed on my credit report. 
Employer Information : All employer details should be removed as they are inaccurate. 
Failure to Safeguard Personal Data I was a victim of the Equifax ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ) data breaches, which compromised my personal information. 
The credit bureaus failed to take proper steps to protect my data in violation of 15 U.S.C. 1681b ( g ).

Failure of Data Furnishers to Ensure Accuracy Under 15 U.S.C. 1681s-2, data furnishers are required to report only accurate information, yet fraudulent and incorrect data remain on my credit file.

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