vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: MI

Complaint narrative:
I just recently looked at my credit report on XX/XX/year>. I saw some hard inquries that did not have my permissible purpose. I have also attached evidence XXXX. XXXXXXXX XXXX ( XXXX ) XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX ( XXXX ) XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX ( XXXX ) XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, Ohio, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] XXXX, XXXX, XXXX [ REPORTING DISPUTES XXXX XXXX XXXX ] [ XXXX XXXX, TX XXXX ] Subject : Request for Correction and Deletion of Inaccurate Information Dear CFPB, I am writing to formally dispute an inaccuracy that appears on my credit report regarding my car loan. After reviewing my credit reports from all three bureaus, I have found discrepancies that I would like to bring to your attention for immediate correction. 
XXXX. XXXX reports that the information regarding my car loan is close, but this is still inaccurate and requires further clarification. 
XXXX. Experian report that my car loan balance is {$26000.00}, while XXXX and XXXX lists the balance as {$0.00}. This inconsistency between the bureaus is concerning, and I believe it to be an error that needs to be rectified. 

I have also heard that there has been an ongoing issue with the accuracy of XXXX XXXX XXXX across credit reporting agencies, which I believe may have affected my credit file. 

I respectfully request that you investigate and correct this information. Specifically, I would like the inaccurate balance information to be updated and for any outdated or incorrect data related to this account to be deleted from my credit report. 

Please provide confirmation of the corrections made to my credit report once the review process is complete. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue as soon as possible. Please feel free to contact me at [ Your Phone Number ] or [ XXXX ] if you need further information. 

Sincerely, [ XXXX XXXX ] You can send this letter to each of the credit bureaus individually ( XXXX, XXXX, and XXXX ) or via their respective online dispute resolution systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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 submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days.

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 2025-02-25 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 submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days.

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 2025-02-25 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: IA

Complaint narrative:
XXXX XXXX has entered a error amount on my credit report on behalf of XXXX XXXX. I submitted documentation from when I moved by courts order from residency however the original client is charging for months I had not occupied premises. I have asked for error to removed from my report as it is not accurate. I have called original creditor and offered to pay for the month I did occupy premises. I never get any response from XXXX and investigation is just closed and not corrected despite evidence of error in charges. Please, see attachment of court order from when I vacated, you will also find billing from XXXX XXXX past months I did not legally possess property. Please remove error from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: IA

Complaint narrative:
XXXX XXXX has entered a error amount on my credit report on behalf of XXXX XXXX. I submitted documentation from when I moved by courts order from residency however the original client is charging for months I had not occupied premises. I have asked for error to removed from my report as it is not accurate. I have called original creditor and offered to pay for the month I did occupy premises. I never get any response from XXXX and investigation is just closed and not corrected despite evidence of error in charges. Please, see attachment of court order from when I vacated, you will also find billing from XXXX XXXX past months I did not legally possess property. Please remove error from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: NC

Complaint narrative:
On XX/XX/XXXX, Experian reported several accounts on my credit report that do not belong to me. I am going to list them individually. This is very upsetting as my XXXX XXXX dropped and these accounts are delinquent. Here are the accounts in order of the credit report from Experian : XXXX ) Capital XXXX beginning with number XXXX with a balance of {$2500.00} and opened on XX/XX/XXXX XXXX ) Capital XXXX beginning with number XXXX with a balance of {$660.00} and opened on XX/XX/XXXX XXXX ) Citicards XXXX beginning with number XXXX with a balance of {$260.00} opened on XXXX XXXX, XXXX XXXX ) Comenitycb/Ulta beginning with number XXXX with a balance of {$330.00} and opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX number with a balance of XXXX and opened on XX/XX/XXXX XXXX ) Netcredit/Republic Bank beginning with number XXXX XXXX XXXX balance of {$7200.00} and opened on XX/XX/XXXX XXXX ) SYNCB/Care Credit beginning with number XXXX with a balance of {$6700.00} opened on XX/XX/XXXX XXXX ) SYNCB/TJX COS beginning with number XXXX with a balance of {$460.00} and opened on XX/XX/XXXX XXXX ) XXXX XXXXXXXX beginning with number with a balance of XXXX and opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX beginning with number XXXX with a balance of XXXX and XXXX on XX/XX/XXXX XXXX ) XXXX XXXX with XXXX XXXX beginning with number XXXX with a balance XXXX {$13000.00} and opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX beginning with number XXXX with a balance of XXXX and opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX beginning with number XXXX with a balance of XXXX and XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX beginning with number XXXX with a balance of XXXX and XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX beginning with number XXXX with a balance of XXXX and XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX beginning with number XXXX with a balance of {$36.00} XXXX XXXX and opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX auto loan beginning with XXXX with a balance XXXX XXXX and XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX auto loan beginning with number XXXX with a XXXX XXXX XXXX and XXXX on XX/XX/XXXX This is very distressing to me as I do not own any of these accounts and don't even have a car and I do not belong to XXXX XXXX XXXX XXXX. I need these accounts removed immediately or I will take legal action against 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 2025-02-25 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:
Information submitted was not properly investigated.

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 2025-02-25 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: VA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the account that I have marked inaccurate. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the account that I have marked inaccurate. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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 HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX XXXX XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-02-25 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: MO

Complaint narrative:
On XX/XX/XXXX, I discovered a fraudulent XXXX XXXX account on my credit report with a balance of {$4200.00}. The account was allegedly opened on XX/XX/XXXX, and charged off on XX/XX/XXXX. However, Experian is falsely reporting the charge-off date as XX/XX/XXXX, which is illegal re-aging under FCRA XXXX XXXX a ) ( XXXX ) unlawfully extending the reporting period beyond the legal seven-year limit. 

I took the following actions to dispute this account : XX/XX/XXXX Filed an FTC Identity Theft Report ( Case # XXXX ). 
XX/XX/XXXX Sent written disputes to Experian, XXXX, and XXXX, demanding deletion under FCRA XXXX. 
XX/XX/XXXX Sent a direct dispute to XXXX XXXX, requesting verification under FCRA XXXX ( b ). 
XX/XX/XXXX XXXX XXXX responded but failed to provide a signed contract, original application, or any verification proving I opened this account. 
After a formal investigation, XXXX deleted the account, confirming that XXXX XXXX failed to verify its legitimacy. However, Experian and XXXX refused to remove the fraudulent account, despite receiving the same documentation. 

FCRA Violations Committed by Experian XXXX XXXX XXXX re-aging of a charged-off account ( FCRA 1681c ( a ) ( 4 ) ).

Failure to mark the account as disputed during the investigation ( FCRA 1681s-2 ( a ) ( 3 ) ).

Failure to delete an identity theft account as required by law ( FCRA 605B ).

Knowingly reporting false information with willful disregard for the FCRA ( FCRA 1681n ).

Under FCRA 605B, identity theft victims are not responsible for fraudulent accounts, and Experian and XXXX are legally required to delete this account immediately. Their refusal to comply constitutes willful noncompliance under FCRA 1681n, making them liable for damages. 

Fair Resolution Requested I demand the immediate deletion of the fraudulent XXXX XXXX account from Experian and XXXX credit reports. Failure to comply will result in legal action under FCRA 1681n for willful noncompliance, including statutory and punitive damages. 

If Experian and XXXX do not correct this issue, I will escalate the matter to : The Federal Trade Commission ( FTC ) My State Attorney Generals Office Consumer Protection Agencies Legal Action for FCRA Violations

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 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute and request the removal of the following student loan account from my credit report due to legal violations under XXXX ( Family Educational Rights and Privacy Act ) and recent data breaches : Loan Servicer : XXXX  Account Number : Balance : {$1700.00} Date Opened : XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c, I have the right to dispute any inaccurate, misleading, or legally invalid information on my credit report. Due to the recent federal student loan data breach and FERPA violations, my private educational records and financial information were compromised without my consent, violating my legal rights as a borrower. 

Furthermore, FERPA ( 20 U.S.C. 1232g ) protects students education records, including financial aid and loan information. Any unauthorized access, exposure, or mishandling of my student loan data constitutes a direct violation of federal law, making this account illegally reported and subject to removal. 

Additionally, under the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ), if an account is found to be inaccurate, incomplete, unverifiable, or legally disputed, it must be deleted from my credit report immediately. Given that my data was compromised, I demand the permanent deletion of this student loan account from my credit file with no possibility of reinsertion per FCRA 1681a ( a ) ( 5 ) ( C ).

Action Requested : Remove the student loan account from my credit report immediately. 
Provide written confirmation of the deletion within XXXX  days, per FCRA compliance. 
Refrain from re-reporting this account to any credit bureau in the future. 

This letter serves as official notice that I am enforcing my rights under FCRA, FERPA, and federal data privacy laws. Failure to comply may result in legal action, including filing a complaint with the CFPB ( Consumer Financial Protection Bureau ), FTC XXXX Federal Trade Commission ), and XXXX Department of Education. 

Please respond in writing within XXXX  days to confirm the removal of this account. You may send all correspondence to my address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I just recently looked at my credit report on XX/XX/year>. I saw some hard inquries that did not have my permissible purpose. I have also attached evidence XXXX. XXXXXXXX XXXX ( XXXX ) XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX ( XXXX ) XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX ( XXXX ) XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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