vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-24 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-24 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian is still reporting a inaccurate debt on my credit report that was paid

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 2025-04-24 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
On XX/XX/year>, I was the victim of a scam hotel website. I am extremely cautious and thought I was placing a reservation with XXXX. I was not- it was a site called XXXX which also goes by XXXX  impersonating as a hotel. I was charged over {$100.00} in fees. I have attempted to cancel and it allegedly has but I feel scammed and dirty and now will need to change my credit card. 

I was charged {$630.00} for a single night. 

The emails manage your reservation button does not work and it doesnt link.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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 never gave this company permission to access my credit. I didnt apply for any services, authorize any checks, or initiate any business with them. This inquiry was made without my knowledge or consent, and as such, I consider it unauthorized and potentially fraudulent.

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 2025-04-24 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX 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 explanation
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX 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 2025-04-24 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: GA

Complaint narrative:
XX/XX/XXXX Mortgage canceled. Dispute claim filed with XXXX and XXXX sent to lender which dragged on due to predatory tactics. XXXX erased claim history however I have screenshots and previously provided in case XXXX initiated last year which resulted in permanent credit as of XX/XX/XXXX. Charges from XXXX began to reappear in XXXX and XXXX totalling over XXXX $ despite new card issued which hadn't been activated to date and is still locked. Not using card I wasn't checking account. I had received credit balance in XXXX according to statement. I of course once again was disputing same charges. My score dropped XXXX. Now below XXXX, where it had been. As a XXXX customer I shouldn't have to struggle with my bank for a year about invalid charges when Attorney for XXXX has canceled and reimbursed the institution writing letter personally. 

For credit agencies there's a duplicate XXXX account XXXX my report and my score was reduced XXXX on TransUnion and XXXX XXXX Equifax due to some XXXX. XXXX issued new card and transferred balance to new card. XXXX did as well XXXX to XXXX. Communications and activities should be documented and sent by email or in writing to customer every time. Which throughout the XXXX dispute they weren't to date.

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 2025-04-24 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:
XX/XX/XXXX Mortgage canceled. Dispute claim filed with XXXX and XXXX sent to lender which dragged on due to predatory tactics. XXXX erased claim history however I have screenshots and previously provided in case XXXX initiated last year which resulted in permanent credit as of XX/XX/XXXX. Charges from XXXX began to reappear in XXXX and XXXX totalling over XXXX $ despite new card issued which hadn't been activated to date and is still locked. Not using card I wasn't checking account. I had received credit balance in XXXX according to statement. I of course once again was disputing same charges. My score dropped XXXX. Now below XXXX, where it had been. As a XXXX customer I shouldn't have to struggle with my bank for a year about invalid charges when Attorney for XXXX has canceled and reimbursed the institution writing letter personally. 

For credit agencies there's a duplicate XXXX account XXXX my report and my score was reduced XXXX on TransUnion and XXXX XXXX Equifax due to some XXXX. XXXX issued new card and transferred balance to new card. XXXX did as well XXXX to XXXX. Communications and activities should be documented and sent by email or in writing to customer every time. Which throughout the XXXX dispute they weren't to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
XX/XX/XXXX Mortgage canceled. Dispute claim filed with XXXX and XXXX sent to lender which dragged on due to predatory tactics. XXXX erased claim history however I have screenshots and previously provided in case XXXX initiated last year which resulted in permanent credit as of XX/XX/XXXX. Charges from XXXX began to reappear in XXXX and XXXX totalling over XXXX $ despite new card issued which hadn't been activated to date and is still locked. Not using card I wasn't checking account. I had received credit balance in XXXX according to statement. I of course once again was disputing same charges. My score dropped XXXX. Now below XXXX, where it had been. As a XXXX customer I shouldn't have to struggle with my bank for a year about invalid charges when Attorney for XXXX has canceled and reimbursed the institution writing letter personally. 

For credit agencies there's a duplicate XXXX account on my report and my score was reduced XXXX on TransUnion and XXXX XXXX Equifax due to some XXXX. XXXX issued new card and transferred balance to new card. XXXX did as well XXXX to XXXX. Communications and activities should be documented and sent by email or in writing to customer every time. Which throughout the XXXX dispute they weren't to date.

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 2025-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HEAD MERCANTILE CO., INC.
State: OH

Complaint narrative:
" This is an update to a complaint I previously submitted on XX/XX/year>, ID # XXXX. In response to my initial complaint, The SOS Group has now provided validation of the debt. 

However, I am writing to report a concerning discrepancy and potential deceptive practice. In their response to my initial complaint, The SOS Group falsely stated/ responded that they never received my debt dispute letter, which I sent via certified mail on XX/XX/year>XXXX  with tracking number which I will provide in attached documents via photo. I have proof of delivery for this letter. 

Furthermore, this same collection account appears on my XXXX  and XXXX  credit reports with inconsistent information, specifically different names and addresses. This indicates inaccurate reporting.Which I also sent a dispute letter to the other company reporting the same debt via certified mail .Photos of those will be provided to. 

The collection agency 's false statement to the CFPB regarding the receipt of my dispute, coupled with the inaccurate information they are reporting to the credit bureaus, demonstrates potentially deceptive and unfair practices. I request that the CFPB investigate these actions and consider recommending the immediate removal of this inaccurate collection from my credit reports. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-04-24 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: LA

Complaint narrative:
I am requesting that TransUnion and Experian immediately update the reporting of my XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) to reflect the correct status of Current / Paid as Agreed, consistent with how Equifax is currently reporting it. 

The loan is open, active, and in good standing with no balance past due and no current delinquencies. However, TransUnion and Experian are still showing this account with a derogatory 30-day late payment from XX/XX/year>, even though the account has been current for several months. 

This late payment is outdated and should no longer appear as a derogatory mark on my report. I have already disputed this previously, and Im now requesting that it be fully corrected.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received a refinanced auto loan through XXXX financial to include life/disability insurance, and the representative XXXX XXXX explained in detail that if I were to get sick and couldn't make the payments this insurance would cover the payments. I also provided my insurance which satisfied the required request for full coverage. 

In XX/XX/XXXX at XXXX a email was generated by their representative and on XX/XX/year>, the documents were signed to include the life and XXXX insurance. 

Well later that same year I got sick and had to miss work and such I contacted XXXX XXXX and was told the insurance only covered me if I die and the insurance was offered not from Wellby Finacial but from XXXX XXXX which was the previous finance company. 

I contacted XXXX a total of XXXX times and no one seemed to know anything about this insurance other than it came from XXXX XXXX. I called XXXX XXXX and was told that XXXX did not tell the truth, and XXXX XXXX was paid for the loan there is no contracts with XXXX XXXX. 

I still had the emails from XXXX XXXX with XXXX, so I filed complaints meanwhile the contract that was to protect me if they were any health conditions did not protect me at all which breached XXXX contract. 

I also experienced monthly request for insurance even though I provided XXXX pages and the insurance company I was insured through did provide confirmed emails of insurance declaration pages being sent. 

I complained that the company breached their contract with me and was told XXXX XXXX no longer works for the company and the information XXXX XXXX me was in error. The company representative went on to say it's just for life insurance and not XXXX or health ' I told the representative I have an email and recorded conversation. The company apologized but refused to cancel the contract the remedy for this company was to sign yet another contract without the life insurance policy attached. 

I went on to inform the company this is still a breach in contract rather it was an error or not, the company attempted to have me sign another contract this time without the Life insurance, so I returned the vehicle and cancelled the contact after losing a lot of money due to the insurance not being available when I needed it and the bait and switch tactics used to get me financed. 

Now this repossession is on my credit report and is making it difficult to get credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a refinanced auto loan through XXXX financial to include life/disability insurance, and the representative XXXX XXXX XXXX XXXX detail that if I were to get sick and couldn't make the payments this insurance would cover the payments. I also provided my insurance which satisfied the required request for full coverage. 

In XX/XX/XXXX at XXXX a email was generated by their representative and on XX/XX/year>, the documents were signed to include the life and XXXX insurance. 

Well later that same year I got sick and had to miss work and such I contacted XXXX XXXX and was told the insurance only covered me if I die and the insurance was offered not from Wellby Finacial but from XXXX XXXX which was the previous finance company. 

I contacted XXXX a total of XXXX times and no one seemed to know anything about this insurance other than it came from XXXX XXXX. I called XXXX XXXX and was told that XXXX did not tell the truth, and XXXX XXXX was paid for the loan there is no contracts with XXXX XXXX. 

I still had the emails from XXXX XXXX with XXXX, so I filed complaints meanwhile the contract that was to protect me if they were any health conditions did not protect me at all which breached XXXX contract. 

I also experienced monthly request for insurance even though I provided declaration pages and the insurance company I was insured through did provide confirmed emails of insurance declaration pages being sent. 

I complained that the company breached their contract with me and was told XXXX XXXX no longer works for the company and the information XXXX XXXX me was in error. The company representative went on to say it's just for life insurance and not XXXX or health ' I told the representative I have an email and recorded conversation. The company apologized but refused to cancel the contract the remedy for this company was to sign yet another contract without the life insurance policy attached. 

I went on to inform the company this is still a breach in contract rather it was an error or not, the company attempted to have me sign another contract this time without the Life insurance, so I returned the vehicle and cancelled the contact after losing a lot of money due to the insurance not being available when I needed it and the bait and switch tactics used to get me financed. 

Now this repossession is on my credit report and is making it difficult to get 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 explanation