vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: NV

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
To Whom It May Concern, I am submitting this follow-up complaint regarding the inaccurate and unfair reporting of a charge-off by Santander Consumer USA ( Santander ) , associated with **account number XXXX. Despite my initial complaint, Santander has failed to provide proper validation of this debt and has refused to remove or correct the inaccurate reporting on my credit file. 

Issue Summary : Santander claims that the charge-off balance of {$17000.00} is accurate, but they have not provided verifiable documentation proving the validity of this debt in accordance with the Fair Credit Reporting Act ( FCRA ). Instead, their response was a generic refusal to remove the account rather than a detailed breakdown of the alleged debt and its accuracy. 

Under FCRA 609 & 611, I have the right to request and receive full validation of any negative item appearing on my credit report. Their response does not satisfy this requirement, nor does it prove that all reported details ( dates, amounts, status ) are 100 % correct. 
Why This Reporting Is Inaccurate & Unfair : Santander did not provide full account validation. 

Their response letter merely stated that the charge-off was accurate but did not provide a detailed history of transactions, an original contract, or other supporting evidence to verify this balance. 
Without proper verification, this debt should not be reported to the credit bureaus. 
Failure to follow proper notification procedures. 

Santander has not provided proof that I was properly notified of changes to the status of this account before it was charged off, as required by law. 
If I was not given proper notice, this charge-off may have been reported prematurely or inaccurately. 
Santanders refusal to consider goodwill adjustments or alternative resolutions. 

I attempted to resolve this matter in good faith, yet Santander refuses to acknowledge any errors or offer a fair resolution.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my Experian credit report dated XX/XX/XXXX, I found an unauthorized collection account and several fraudulent hard inquiries : Collection Management ( Opened : XX/XX/XXXX, Balance : {$1200.00} ) The following unauthorized hard inquiries also appear on my Experian report : XXXX FL XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CO ( XX/XX/XXXX ) These fraudulent accounts and inquiries were not authorized by me and resulted from identity theft.

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 2025-03-07 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: CT

Complaint narrative:
The errors on my report are making it harder for me to access opportunities and are unfairly damaging my scores. Its beyond frustrating to deal with setbacks caused by mistakes that are not my fault.

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 2025-03-07 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to formally dispute an account listed on my credit report for which I have no financial responsibility. The account details are as follows : Creditor Name : XXXX XXXXXXXX XXXX XXXX  Account Number XXXX Status : Authorized User I was added as an authorized user on this account ; however, I am not the primary account holder and do not bear any liability for the debt. I have since been removed from this account by the creditor, and I now request that you immediately delete this tradeline from my credit report. 



In addition to the factual inaccuracy, the continued reporting of this account violates several provisions of the Fair Credit Reporting Act ( FCRA ). In particular, please note the following statutory requirements : 15 U.S.C. 1681e ( b ) : Mandates that credit reporting agencies ensure maximum possible accuracy in the information reported. 

15 U.S.C. 1681i ( a ) ( 1 ) : Requires that a reasonable investigation be conducted when a consumer disputes the accuracy of their credit report. 

15 U.S.C. 1681i ( a ) ( 5 ) : Obligates the deletion of any information that can not be properly verified. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Requires furnishers to report only accurate information. 

15 U.S.C. 1681s-2 ( b ) : Compels furnishers to investigate disputes when notified by a credit bureau . 

15 U.S.C. 1681c ( a ) ( 4 ) : Limits the reporting period for negative information, ensuring outdated or inaccurate information is not reported. 

15 U.S.C. 1681g : Provides consumers the right to access and verify information contained in their credit reports. 

15 U.S.C. 1681n : Grants consumers the right to sue for willful noncompliance with the FCRA. 

15 U.S.C. 1681o : Allows for legal recourse in cases of negligent noncompliance. 

15 U.S.C. 1681p : Establishes the statute of limitations for FCRA claims. 

15 U.S.C. 1681b : Restricts access to consumer reports to only those with a permissible purpose. 

15 U.S.C. 1681h : Requires proper disclosure of credit report information to consumers. 

15 U.S.C. 1681d : Outlines the responsibilities of consumer reporting agencies in handling disputes. 

15 U.S.C. 1681j : Addresses the proper handling of adverse actions taken on the basis of information in the consumer report. 

15 U.S.C. 1681k : Specifies liability for willful noncompliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: AR

Complaint narrative:
I am writing to formally dispute an account listed on my credit report for which I have no financial responsibility. The account details are as follows : Creditor Name : XXXX XXXXXXXX XXXX XXXX  Account Number XXXX Status : Authorized User I was added as an authorized user on this account ; however, I am not the primary account holder and do not bear any liability for the debt. I have since been removed from this account by the creditor, and I now request that you immediately delete this tradeline from my credit report. 



In addition to the factual inaccuracy, the continued reporting of this account violates several provisions of the Fair Credit Reporting Act ( FCRA ). In particular, please note the following statutory requirements : 15 U.S.C. 1681e ( b ) : Mandates that credit reporting agencies ensure maximum possible accuracy in the information reported. 

15 U.S.C. 1681i ( a ) ( 1 ) : Requires that a reasonable investigation be conducted when a consumer disputes the accuracy of their credit report. 

15 U.S.C. 1681i ( a ) ( 5 ) : Obligates the deletion of any information that can not be properly verified. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Requires furnishers to report only accurate information. 

15 U.S.C. 1681s-2 ( b ) : Compels furnishers to investigate disputes when notified by a credit bureau . 

15 U.S.C. 1681c ( a ) ( 4 ) : Limits the reporting period for negative information, ensuring outdated or inaccurate information is not reported. 

15 U.S.C. 1681g : Provides consumers the right to access and verify information contained in their credit reports. 

15 U.S.C. 1681n : Grants consumers the right to sue for willful noncompliance with the FCRA. 

15 U.S.C. 1681o : Allows for legal recourse in cases of negligent noncompliance. 

15 U.S.C. 1681p : Establishes the statute of limitations for FCRA claims. 

15 U.S.C. 1681b : Restricts access to consumer reports to only those with a permissible purpose. 

15 U.S.C. 1681h : Requires proper disclosure of credit report information to consumers. 

15 U.S.C. 1681d : Outlines the responsibilities of consumer reporting agencies in handling disputes. 

15 U.S.C. 1681j : Addresses the proper handling of adverse actions taken on the basis of information in the consumer report. 

15 U.S.C. 1681k : Specifies liability for willful noncompliance with the FCRA.

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 2025-03-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CO

Complaint narrative:
I received XXXX cards in the mail from NetSpend that I did not open. I called to report them as fraudulent accounts.

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 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: DISCOVER BANK
State: RI

Complaint narrative:
I sent my sister a check. She tried to deposit it into her XXXX account. XXXX responed it was a duplicate deposit and to file a complaint with my bank. I have included all of the documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland Credit Management ( MCM ) has called me multiple times this week without leaving a voicemail. They do not provide any information or leave messages/ Voicemails. This behavior feels excessive and is disruptive. I am unsure why they are calling, and this repeated contact without proper communication seems to be an attempt to pressure me into answering. 

I am concerned that these repeated calls without voicemails may violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment. I am requesting that MCM cease unnecessary phone calls and provide written communication if necessary. Additionally, I would like the CFPB to investigate whether MCM 's calling practices are compliant with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: MD

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to dispute a collection account reported by Ability Recovery Services for an alleged debt of XXXX XXXX  related to XXXX XXXX  Account Details : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXAbility Recovery Services Balance : - {$1800.00} Date Opened : XXXXXXXX XXXX XXXX Status : -Open and Unpaid Remarks : -Consumer disputes reinvestigation in progress I dispute the validity of this debt and request validation of the account, including a full breakdown of charges, the original contract, and proof of my obligation to pay. If Ability Recovery Services can not provide proper documentation, I request that this account be **removed from my credit report immediately** under the Fair Credit Reporting Act ( FCRA ). 

I am also requesting that the **Consumer Financial Protection Bureau ( CFPB ) review this issue**, as the collection agency may be reporting inaccurate or unverifiable information. 

Please provide a written response within 30 days, as required under federal law. 

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
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: FL

Complaint narrative:
This account was deleted and added back this account need to be blocked I am writing TransUnion to delete certain credit accounts listed on my credit report, as I believe they were made fraudulently without my authorization. I have reason to believe that my personal information was compromised and used to make unauthorized credit inquiries. I am requesting that these inquiries be removed from my credit report as per 605B15 U.S.C. 1681c-2 states if a breach is present accounts will be removed in 4 days if tied to identity theft. In support of my claim, I have filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft and fraudulent activities. I have attached a copy of my FTC Identity Theft Report ( XXXX ) as evidence that my personal information was used fraudulently. The unauthorized credit accounts I am disputing are as follows : XXXX XXXX ( XXXX ) XXXX XXXX XXXX my name is XXXX XXXX XXXX XXXX XXXX XXXX information is incorrect ( XXXX ) The unauthorized credit This account were made without my knowledge or consent and should be removed from my credit file. As per the Fair Credit Reporting Act ( FCRA ), I am requesting that this be removed and blocked them 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 2025-03-07 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 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 non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit score XXXX XXXX has steadily declined over the course of a year. The scores that I have been receiving are not matching my credit history. During this time I have been approved for multiple credit cards from XXXX XXXX bank. XXXX credit card in XX/XX/XXXX and another in XX/XX/XXXX. My credit card payment history, currently with XXXX active accounts with low balances and low limits and also little history of late payment has been consistent with credit building positively but my scores from XXXX Transunion and XXXX continue to decline and are inconsistent with my credit history. The scores are unbelievably low. This began in XX/XX/XXXX after being approved for unsecured credit cards which were not store brand cards. In addition I am having Adverse Information appear regarding student loans which have been XXXX for over a year and which are now closed, and which were previously in deferral or forbearance which are affecting my score as well.

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 2025-03-07 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: CA

Complaint narrative:
I have recently reviewed a copy of my credit report and noticed a number of fraudulent accounts. Please remove these accounts from my report because they are causing me difficulties getting credit. These accounts were not authorized, recognized nor valid.

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 2025-03-07 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: GA

Complaint narrative:
I did not authorize anyone employed at these companies to make inquire or view my credit report in Addition I did give Equifax permission to furnish this incorrect information on my credit report. This is a violation of the Fair credit reporting act Section 1681b ( c ) constitutes fraudulent activity and serious breach of my privacy right. Please remove the inquiries from my report. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Capital XXXX XXXX XXXX, VA XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation