vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX INQUIRIES : XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX INQUIRIES : XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I was approved to get a car through credit acceptance. I was set up for auto pay, bi-weekly to split the whole amount. In XXXX  without my knowledge, they stopped taking my payments, and my car was repossessed. I didnt change the auto pay through the app, or by phone. When I asked why they did that, I got no direct answer. Yesterday, XX/XX/XXXX at a little after XXXX, my car was repossessed again. I called and asked why, because once again, Im set up for auto pay. Earlier that day, I went in on the app, and put in my new bank card information. I called to ask why my car was repossessed, the lady told me because of a past due amount. I told that lady Ive talked to several people as to why that past due amount was due, and never was told or asked to set up a payment arrangement for it. So I assumed they were going to have me pay my car payments longer to make up for that amount. On the app, for the past due amount, it doesnt allow me the option to make an arrangement. I feel they are targeting me, as in the description I read about them and their issues, and what they do to their customers. I would like to take further action on this company. Its just not right. I couldve lost my job, both times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
Subject : Formal Complaint Regarding Incorrect Information on Credit Report and Lack of Resolution from Experian ( CFPB Complaint ID : XXXX ) XXXX XXXX Account # : XXXX Account Type : Revolving I am writing to formally lodge a complaint against Experian, one of the major credit bureaus, for failing to address incorrect information on my credit report as required under the Fair Credit Reporting Act ( FCRA ). This issue has caused significant distress and disruption to my financial life, and I have yet to receive a satisfactory resolution despite submitting a dispute to Experian on XX/XX/year> ( CFPB Complaint ID : XXXX ). 

Background of the Issue : On XX/XX/year>, I submitted a dispute to Experian regarding inaccurate information on my credit report. Under Section 1681 ( c ) of the FCRA, credit bureaus are required to maintain accurate and complete information. Additionally, Section 1681 ( b ) mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. Despite these legal obligations, Experian has failed to correct the inaccuracies on my report. 

Specific Concerns : Incorrect Information : My credit report contains inaccurate information that is negatively impacting my credit score and financial opportunities. 

Discrepancies Between Credit Bureaus : There are inconsistencies in the information reported by the three major credit bureaus ( Experian, XXXX, and XXXX ). These discrepancies further highlight the lack of accuracy in my credit reports. 

Violation of FCRA Timeline : Experian has exceeded the 30-day timeframe mandated by the FCRA to investigate and resolve my dispute. 

Enclosed Documentation : To assist with your investigation, I am including updated information from all three credit bureaus ( Experian, XXXX, and XXXX ) that highlights the discrepancies and inaccuracies in my credit reports. 

I trust that the CFPB will take appropriate action to ensure that my rights under the FCRA are upheld and that Experian is held accountable for its failure to comply with federal law. Please contact me at [ your phone number ] or [ your email address ] if you require any additional information or documentation.

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 2025-03-06 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: OH

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXXDEPT OF ED XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

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 2025-03-06 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: LA

Complaint narrative:
I got Experian report today XX/XX/XXXX. They only updated the accounts. They did not provide me with verification of these accounts. According to the Fair Credit Reporting Act ( FCRA ), Experian is suppose to investigate and verify the accuracy of my information that is listed below. If the information can not be verified, I request that it be removed. Experian failed to provide me with verification of these accounts, therefore, these accounts need to be removed. 

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 explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
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  please delete from my credit report!! The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. XX/XX/year> Account Name : NATIONAL CREDIT SYSTEM Account Number : XXXX Balance : {$900.00} XX/XX/year> Account Name : NATIONAL CREDIT SYSTEM Account Number : XXXX Balance : {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: GA

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. As per USC 1681g, I ask that they be deleted within 15 days. Please find the enclosed documents for your review.

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 2025-03-06 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: Early Warning Services, LLC
State: NY

Complaint narrative:
I keep getting called about I owe debt when XXXXXXXX XXXX XXXX XXXXXXXX XXXX and they over charge me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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 recently reviewed my credit report and found numerous fraudulent inquires & accounts, which I have NO knowledge of. These are the fraudulent inquires I have found : Inquires : XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-06 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: CA

Complaint narrative:
I recently reviewed my credit report and found numerous fraudulent inquires & accounts, which I have NO knowledge of. These are the fraudulent inquires I have found : Inquires : XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: MO

Complaint narrative:
Dear Equifax and CFPB XX/XX/XXXX XXXX  received stall letter designed to violated 15 USC 1681 a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

Today I received stall letters from Equifax. After I demanded a deletion on my XXXX XXXX XXXX XXXX and filed a CFPB complaint, Equifax responded that they were not going to investigate because they had already investigated it. This makes no sense because I asked them to investigate it in XXXX and XXXX. However, they said they could not investigate it because it was not on my account. That was a false statement. Because they had exceeded the 30 day limit allowed under 15 USC 1681 I demanded for a deletion. I also demanded for a deletion because of the medical debt laws. It was not a further request for an investigation. It was a demand for deletion. I am demanding once again to delete the above-mentioned account from my credit report ( a ) 1. They also failed to actually read the complaint to the CFPB because they dont take the loss seriously Equifax is in violation of the FCRA because they have not been fair or accurate as required by 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Deceptive and unclear information being provided by representatives. Spoke with them various times to clarify my questions via chat and telephone and yet i found fees that never were clarified.incredible how low they have taken the conaumer. Will go into collections now after trying to be a good customer.

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 2025-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I was having financial problems during covid, my mortgage fell behind several payments. I was informed by my mortgage company that they could help with a loan modification. I was told they would place the my late payments behind the remaining payments for a 30 years fixed loan. However, I recently learned that my mortgage was a 40 year loan, not a 30 year loan that I was lead to believe. Rocket Mortgage sold the loan to XXXX XXXX. The new mortgage documents states dates, not 30 or 40 years at the duration of the loans. I feel as though I was tricked into the longe term loan and them they sold the loan to cover up the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TX

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 604, a company must have a permissible purpose before accessing my credit information. I did not authorize the following inquiries, and I demand their immediate removal from my credit file : 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 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  Since I did not provide written consent for these inquiries, they constitute a violation of my rights under the FCRA. I request an immediate investigation and demand written confirmation of their removal from my credit report. 

If these unauthorized inquiries are not removed within 24 hours, I will escalate this matter by filing formal complaints with the Federal Trade Commission ( FTC ), my State Attorney Generals office, and other relevant consumer protection agencies. Additionally, I will explore legal action under the FCRA should this issue remain unresolved. 

Please confirm in writing that these inquiries have been removed. I expect your prompt attention to this matter and appreciate your immediate compliance.

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 2025-03-06 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: NC

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : \nCases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit reports under the Fair Credit Reporting Act ( FCRA ). I have reviewed my credit reports from both Experian and Equifax, and I have found inconsistencies regarding my XXXX account XXXX Account Number : XXXX ). 
The discrepancies are as follows : Late Payments : Experian reports three 30-day late payments, while Equifax indicates three 60-day delinquencies.

Account Closure Date : Experian lists the closure date as XX/XX/year>, whereas Equifax states XX/XX/year>. 
Payment History Discrepancies : The reports do not align on when late payments occurred or if they were reported accurately. 
Under the FCRA ( 15 U.S.C. 1681i ), I am requesting an immediate investigation into this matter and for the inaccurate information removed if it can not be verified. Please provide documentation verifying the accuracy of the late payments and closure date, or update my credit file. 
I have attached copies of my Experian and Equifax credit reports highlighting the discrepancies. Please investigate this matter and provide a written response within 30 days as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response confirming the corrections. 
Sincerely, 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