vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX {$430.00} XXXX  XXXX BALANCED {$19000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$2500.00} XXXX XXXX XXXX BALANCED {$530.00} XXXX XXXX  XXXX XXXX BALANCED {$1600.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: VI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Credit Reporting Error & Notice of Potential Liability for Negligent Noncompliance ( 15 U.S. Code 1681o ) Dear Sir/Madam, I am writing to formally dispute the following information on my credit report, which I believe is inaccurate and noncompliant with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, regarding civil liability for negligent noncompliance. 

Upon reviewing my credit report, I have identified the following discrepancies : 1. [ Describe the error or inaccurate iteme.g., incorrect account information, late payments, etc. ] 2. [ Explain why you believe the item is incorrect, i.e., mistaken identity, paid debt, etc. ] Under 15 U.S. Code 1681o, you are required to ensure that the information reported to consumer reporting agencies is accurate and in compliance with the FCRA. Your failure to investigate or correct this inaccuracy in a timely manner could subject you to civil liability for any damages incurred due to this negligence. 

I request that you immediately investigate this dispute, as required by the FCRA, and provide me with written confirmation of your actions. If you are unable to verify the accuracy of the disputed item, I request that it be removed from my credit report in accordance with federal law. 

Please respond within the time frame specified by the FCRA ( 30 days from the date of receipt of this letter ). Failure to correct or adequately investigate this issue will leave me with no choice but to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal remedies for any damages caused by your negligent noncompliance. 

Thank you for your prompt attention to this matter. I look forward to receiving a response from you as soon as possible. 

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax provided XXXX with a score that wasnt mine, below XXXX, which caused me denial for an apartment. My score is XXXX. Minimum score required was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: CT

Complaint narrative:
Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 explanation
Consumer complaint received 2025-02-18 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: CT

Complaint narrative:
Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: CA

Complaint narrative:
I am completely fed up with the inaccuracies on my report. My score has taken a hit because of these mistakes, and I am losing out on opportunities Ive worked hard to earn. It is beyond frustrating to have to keep fighting for something as basic as a correct 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 explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
I am currently having my transcript withheld because of a remaining balance that is supposed to be owed, I only know this now because Im trying to go back to school somewhere else. I was never supposed to owe anything to begin with because I was given a XXXX and asked to use it. I qualified for a XXXX because I was XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX At the financial aid office of XXXX they had me explain my situation in writing in the fall of XXXX, they should have this on file. This is at fault of the school.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: NC

Complaint narrative:
I am writing to formally dispute inaccuracies in the reporting of my auto loan account [ Loan Account Number ] as reflected in my recent credit reports from the three major credit bureaus : Equifax, Experian, and TransUnion. 

Specifically, I believe there are XXXX critical errors that need to be addressed : XXXX. Incorrect Interest Rate : The interest rate on my auto loan is being reported incorrectly. According to my loan agreement, my interest rate should be [ correct interest rate ], but my credit reports reflect [ incorrect interest rate ]. Please review the loan agreement and correct this error. 
2. Inconsistent Information Across Credit Bureaus : I have noticed discrepancies in the way my auto loan information is reported to each of the credit bureaus. For instance, [ mention the differences, e.g., different balance amounts, incorrect payment history, etc. ]. This inconsistency is negatively impacting my credit score and needs to be corrected immediately. 

I have enclosed copies of my credit reports from all three bureaus, which highlight these errors, as well as a copy of my loan agreement for reference. I request that you investigate these inaccuracies and update your records to reflect the correct information. Additionally, I ask that you notify all three credit bureaus to ensure the correct information is reported to them. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: CT

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 explanation
Consumer complaint received 2025-02-18 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: CT

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In violation of 15 US Code 1681 ( 2xi ) 1666b 1692c 1692g 1681 e ( b ) 1635 12 CFR 1026.13 Agency is reporting incorrect amounts that have been charged off, reporting accounts before a bankruptcy, and accounts I am not aware of. Also incorrect information is being reported such as correct balance, late payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: GA

Complaint narrative:
In violation of 15 US Code 1681 ( 2xi ) 1666b 1692c 1692g 1681 e ( b ) 1635 12 CFR 1026.13 Agency is reporting incorrect amounts that have been charged off, reporting accounts before a bankruptcy, and accounts I am not aware of. Also incorrect information is being reported such as correct balance, late payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: MI

Complaint narrative:
Subject : Wrongful Deletion of Trade Line Experian Details : Experian erroneously deleted my XXXX XXXXXXXX XXXX trade line ( account ending in XXXX ) from my credit report. 
They claim I disputed the account, which is falseI never initiated a dispute. 
This account had a {$20000.00} credit limit, and its removal has negatively impacted my credit profile. 
I request that Experian immediately reinstate this trade line and correct 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 explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - DATE OPENED XXXX/XXXX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
For some reason, after I do not know how many years, I need a phone to pay my bill online. 
This is discrimination also. 


Like your application, it requires a phone number to use a computer, why? 
Same problem I have with Social Security. 
I have to arrange a ride 20 miles west, take a day off work and wait my turn at the office because I don't have a phone. this is discrimination also. 
I can't access my XXXX  account for the same reason. 
I can't even track a package IF I AM LOGGED IN with XXXX. they ask for a phone to verify me on the only computer my account has seen since they verified me via email. This is discrimination also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: IL

Complaint narrative:
i have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX  XXXX balance {$700.00}, XXXX XXXX {$570.00}, XXXX XXXX  XXXX {$1300.00}

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 explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Paid XXXX XXXX ( XXXX XXXX ) {$88.00} on XX/XX/23 for XXXX month. My wife also paid {$88.00} for XXXX month on XX/XX/23. I have called Chase several times to let them know I double paid the XXXX and need one of the {$88.00} charges refunded back to me. I have sent documentation showing the proof. I literally sent my wifes entire XXXX bank statement ( including acct number ) that shows the {$88.00} transaction and chase still refuses to approve claim and also are very rude about it and wont tell me anything. Very frustrating experience. I just want m money back because this is 100 percent wrong on both Chase and the XXXX. I have reached out to the XXXX as well and thuey also refuse to cooperate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NC

Complaint narrative:
Cash app never had a person to speak with in regards to multiple fraudulent charges made from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I had an auto loan with Santander Consumer USA. I informed Santander that my car was in the repair shop and that my license was suspended, making me unable to retrieve it. I made multiple attempts to contact them and requested that they repossess the vehicle, but they never picked it up. Because of their inaction, the vehicle was abandoned, and a lien was placed on it, accumulating {$25000.00} in fees. Despite their failure to recover the vehicle after being notified, they charged off my loan and continue to report a {$35000.00} balance on my credit report. 

Santander may argue that the loan contract holds me responsible even if they did not repossess the car. However, I made multiple documented attempts to notify them and resolve the situation, and they failed to take action. Their refusal to pick up the vehicle led to additional, avoidable financial damage. Under fair lending and debt collection practices, lenders have a duty to mitigate their losses rather than intentionally allow a debt to grow. Santanders failure to act is unfair, and I request an investigation and correction of my credit report. *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: MO

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$37000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation