vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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: SC

Complaint narrative:
I am writing to express my outrage and extreme disappointment regarding the recent data breach that compromised my personal information due to your companys negligence. It is absolutely unacceptable that an organization entrusted with safeguarding sensitive data has failed so miserably in its responsibilities. The breach of my personal information is not only an invasion of my privacy but also a serious security risk that could have lasting consequences. 

Your failure to implement and maintain adequate security measures has placed me and countless others in jeopardy. Because of this breach, my personal and financial security are now at risk, and I demand immediate action to rectify this gross violation of trust. 

As a victim of your incompetence, I expect the following actions to be taken without delay : A Full Explanation I demand a detailed account of how and why this breach occurred, including when you became aware of it and why your security measures failed to protect my information. 

Compensation for Damages If I suffer any financial losses, identity theft, or other consequences as a result of your data breach, I will hold your company fully liable and pursue all available legal remedies.

Immediate Security Improvements I expect immediate action to ensure that no further breaches occur, including specific details on how you plan to improve your security infrastructure.

Credit Monitoring and Identity Protection As a direct consequence of your failure, I demand that you provide me with at least 5 Years of credit monitoring and identity theft protection services at no cost to me. 

Your companys failure to safeguard my personal information has caused unnecessary stress and concern, and I will not tolerate inaction or half-hearted responses. If I do not receive a satisfactory resolution to this matter within 7 Days, I will escalate my complaint to regulatory authorities, consider legal action, and publicly expose your companys negligence. 

I expect an immediate response addressing my concerns in full. Do not underestimate the seriousness of this situation.

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 2025-03-02 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-02 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: EQUIFAX, INC.
State: DC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: DC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 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

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 2025-03-02 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: AL

Complaint narrative:
Subject : Complaint Against XXXX for Inaccurate Reporting and Failure to Provide 1099-C To Whom It May Concern, I am writing to formally submit a complaint against XXXX rega.rding the inaccurate reporting of my account on my credit report. My account number is XXXX I have disputed this account multiple times with XXXX, XXXX, Experian, and XXXX due to its designation as a " profit and loss write-off. ", Inaccurate payment history, and Inaccurate account status. Despite my efforts, XXXX continues to report this account inaccurately without providing me with a 1099-C form, which is required for such a write-off. This lack of documentation raises concerns about tax implications and compliance with the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to dispute inaccurate information on my credit report, and I believe that XXXX has failed to fulfill their obligations in investigating and rectifying this matter. The continued reporting of this charge-off is not only misleading but also damaging to my credit profile. 

I request that XXXX immediately remove this charge-off from my credit report as well as the negative and inaccurate payment history until they can provide the necessary documentation to support their claims. It is crucial that my credit report accurately reflects my financial history, and I believe this accounts current status violates my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely,

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 2025-03-02 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: AL

Complaint narrative:
Subject : Complaint Against XXXX for Inaccurate Reporting and Failure to Provide 1099-C To Whom It May Concern, I am writing to formally submit a complaint against XXXX rega.rding the inaccurate reporting of my account on my credit report. My account number is XXXX I have disputed this account multiple times with XXXX, XXXX, XXXX, and Transunion due to its designation as a " profit and loss write-off. ", Inaccurate payment history, and Inaccurate account status. Despite my efforts, XXXX continues to report this account inaccurately without providing me with a 1099-C form, which is required for such a write-off. This lack of documentation raises concerns about tax implications and compliance with the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to dispute inaccurate information on my credit report, and I believe that XXXX has failed to fulfill their obligations in investigating and rectifying this matter. The continued reporting of this charge-off is not only misleading but also damaging to my credit profile. 

I request that XXXX immediately remove this charge-off from my credit report as well as the negative and inaccurate payment history until they can provide the necessary documentation to support their claims. It is crucial that my credit report accurately reflects my financial history, and I believe this accounts current status violates my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely,

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 2025-03-02 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: NJ

Complaint narrative:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the originak signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verificable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verificable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately. in addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 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 2025-03-02 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: NY

Complaint narrative:
I have received a copy on my consumer reports and notice that you have provided transactions on my consumer report that is excluded by law under FCRA 15 U.S.C. 1681a 2Ai. 15 U.S.C. 1666b. 
XXXX XXXX never sent the periodic return along with the Section 1637 ( b ) disclosures.

I have requested proof that this information was submitted or delivered 21 days prior to the payment due date and this information was requested in good faith pursuant to Rule 1002 and was never provided. 15 U.S.C. 1666B and its requirements set the standards and guidance for a creditor to treat a late payment, but they are reporting a late payment and did not comply with the law.

This is unfair, illegal, fraudulent, and unfair to me as a consumer! I have never been behind on this XXXX  XXXX account # XXXX I ask that you do an investigation and provide statements of these payments and if you can not verify the information then I demand that they be updated as timely payments, as they seriously affect my ability to obtain credit.

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 2025-03-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Debt Validation Request Dear CFPB I am writing to request validation of a debt as provided under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I recently received a communication regarding an alleged debt, and I wish to verify its legitimacy. XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. **Amount of Debt : ** [ XXXX ] XXXX. **Date of First Delinquency ( if known ) : XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. **Amount of Debt : ** [ XXXX ] XXXX. **Date of First Delinquency ( if known ) : XXXX. DEPT OF ED/XXXX XXXX. **Amount of Debt : ** [ XXXX ] XXXX. **Date of First Delinquency ( if known ) XXXX XXXX. DEPT OF EDXXXX XXXX. **Amount of Debt : ** [ XXXX ] XXXX. **Date of First Delinquency ( if known ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-02 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-02 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item i am asking you to verify as accurate : santander XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have a chime account and I was hacked and my XXXX on XX/XX/year>. I immediately reported it to chime that funds were sent to an unknown person and random emails were going to another email I have not linked on my chime account with an email stating XXXX dollars was being deposited. Also my XXXX got suspended right as I was getting on due to XXXX email saying your password changed. and locked me out for 180 days. I had to appeal that and show proof its me and got that situated but with chime I have sent proof of the emails and transfers that are out my account and I never even sent money to that person before and can see these amounts were around the same time back to back. I need some help this is my rent money and weeks they have denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: NY

Complaint narrative:
This account XXXX XXXX XXXXXXXX is reporting a late payment please fix this or delete account from credit report thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: NY

Complaint narrative:
This account XXXX XXXX XXXXXXXX is reporting a late payment please fix this or delete account from credit report thanks

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 2025-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
The issue relates to the reset of my mortgage rate. My home mortgage resets annually, previously using XXXX as a benchmark. M & T took much more than the industry standard of time to convert from the use of XXXX as a benchmark for mortgages ( mine included ) resulting in much higher reset rates for me ( and I'm sure ), many others. The industry standard is XXXX which is based on actual transaction volume. M & T does not use XXXX. Last week my mortgage rate reset using the XXXX XXXX XXXX CONSUMER CASH FALLBACK - XXXX month which is supposedly more fwd looking to account for a mortgage that resets annually ( vs XXXX which is a daily rate ). I'm not convinced this is the case. The XXXX benchmark they used is not only synthetic but is also over 5 % vs approx XXXX for XXXX which ( along with my contractual spread ) makes my mortgage payment unnecessarily higher. This has happened year after year. I've been in securities finance for over XXXX  years and this is egregious behavior by M & T serving to only inflate their profits. It's greedy and unnecessary. Their borrowing costs are not based on XXXX and they are unduly profiting from me. 

M & T should be called out for their greedy practices and use the proper benchmark. My mortgage should have reset much lower- in the 6.5 % range. I suspect there are many others to whom they are doing this. 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