vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Monterey Financial Services LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX which is considered a vacation and travel company took a loan out in my name that I did not authorize. This loan is now with XXXX XXXX in the amount of {$3300.00} and has landed on my credit report in collections. Apparently this loan is also accruing interest. This debt hit my credit report XX/XX/year>. XXXX XXXX, I do not have anything physically in my possession that cost me {$3300.00} that will make them feel like they needed to take out a loan in my name and I need to repay this loan for absolutely nothing. I haven't went on any vacations or anything that has to do with XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX To Whom it May Concern, I recently receive a copy of my ( XXXX, Equifax & XXXX XXXX credit report and noticed some late payments posted on my credit report. 
XXXX XXXX Account # XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX ) Your company is in clear violation of the law. Under 15 U.S.C. 1666 ( b ) -permissible purpose of a consumer reports. THE LAW CLEARLY STATES. 
( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer report to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 16681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subjects to section 1681s-3 of this title any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payment from my consumer report, this agency is in violation of 15 U.S.C. 1668.

Failure to respond satisfactory with deletion of the above referenced account, and sent out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also {$1000.00} per violation fee.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity fraud 3. Fair Debt Collection Practices ACT 15 U.S.C. 16692g violations 4. Fair Credit Reporting ACT U.S.C. 1681 violations for willful noncompliance- 616 Civil liability for willful noncompliance [ 15 U.S.C . 1681n ] Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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:
As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640 Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement o 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. 
Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. XXXX State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-01-31 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: MD

Complaint narrative:
I recently received a copy of my credit report and found several inaccuracies and unauthorized accounts/information reporting to my credit report. These erroneous remarks have adversely impacted my credit health and overall well-being.

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 2025-01-31 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: MD

Complaint narrative:
I recently received a copy of my credit report and found several inaccuracies and unauthorized accounts/information reporting to my credit report. These erroneous remarks have adversely impacted my credit health and overall well-being.

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 2025-01-31 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: MI

Complaint narrative:
The problem i'm having is with Early Warning credit reporting agency. I didn't authorize them to have, furnish or share my information that they shouldn't have in the first place. I did not authorize this third credit reporting agency to furnish my information, and after the scandal with XXXX on multiple occasions having reported improper credit reporting errors ; any third party credit reporting agency should not have my information. 

I do not want them having my information. How did they get it to begin with? 
they have thee audacity to tell me, I can't opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app lawsuit for a need help for a problem that had occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: HI

Complaint narrative:
I am writing to dispute an account listed on my credit report that is completely unknown to me. This account does not belong to me, and it appears to be a case of mixed data.

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 2025-01-31 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: PA

Complaint narrative:
Subject : Formal Dispute and Demand for Immediate Deletion of Unauthorized Inquiries Dear Equifax Dispute Department, I am writing to formally dispute multiple unauthorized inquiries listed on my credit report. Upon reviewing my credit file, I identified the following inquiries that were made without my consent or authorization. After contacting the companies in question, they have been unable to provide verifiable proof that I initiated these inquiries or gave explicit written consent for them. 

Unauthorized Inquiries in Question : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX These inquiries have negatively impacted my credit score and are unjustly listed in my report. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( 15 U.S.C. 1681b ), a consumer report may only be accessed under permissible purposes, which include transactions initiated by the consumer. Since no such transaction was authorized by me, these inquiries are unlawful and must be removed immediately.

Furthermore, under Section 609 ( a ) ( 1 ) ( A ) of the FCRA, you are legally required to verify the legitimacy of each and every inquiry appearing on my credit report by providing tangible, verifiable proof of authorization, such as a signed contract or agreement.

If Equifax can not provide such documentation, you are legally obligated under Section 1681i Paragraph ( 5 ) to delete the unverifiable information promptly.

Request for Immediate Action : 1. Immediately delete the unauthorized inquiries from my credit report.

2. Provide verifiable proof of authorization for each of the above inquiries if you choose not to remove them.

3. Provide written confirmation of the removal of these inquiries or the supporting documentation verifying their legitimacy within the time frame required by law.

Failure to comply with my request will result in further action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office for violations of the Fair Credit Reporting Act. 
I expect a prompt resolution to this matter and look forward to your written response confirming the deletion of these inquiries. Thank you for your immediate attention to this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2025-01-30 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: LA

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  # XXXX XX/XX/XXXX - Balance : {$17.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$17.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$1200.00} XXXX # XXXX XX/XX/XXXX - Balance : {$560.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$300.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1300.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$560.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$1200.00}

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 2025-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
1. Failure to Provide Proper Notification As a joint borrower, I was never notified of the repossession, deficiency balance, or sale of the vehicle. The lender only sent notices to my co- borrowers address, which is not my residence. This failure to notify me properly violates standard repossession procedures.

2. Lack of Required Documentation I have never received a Notice of Intent to Repossess, Notice of Sale, or Deficiency Balance Notice, which are required under consumer protection laws. Chrysler Capital has failed to provide proof that they followed the correct process.

3. Unverified and Potentially Inaccurate Reporting Under the Fair Credit Reporting Act ( FCRA ), XXXX must verify the accuracy of all reported accounts. If Chrysler Capital can not provide proof that I was properly notified, the repossession must be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: NV

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, as Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-01-31 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:
Im writing to dispute an unauthorized credit inquiry listed on my report. I never gave permission to this company to pull my credit, and this inquiry is both unauthorized and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Company says they dont see an account with my SSN but its in my transunion provided on document sent..

Subject : Cease and Desist Notice Unauthorized Access and Furnishing of My Consumer Report Under 15 U.S.C. 1681 To Whom It May Concern, This letter serves as a formal cease and desist demand regarding the unauthorized access and furnishing of my consumer report, which appears to be in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Upon reviewing my credit report, I discovered that my personal and financial information has been accessed without my explicit written consent, particularly for insurance underwriting or other unauthorized purposes. Pursuant to 15 U.S.C. 1681b ( a ), a consumer reporting agency is only permitted to furnish a consumer report under specific circumstances, including when the consumer has provided written authorization. I have never given such written consent.

Furthermore, 15 U.S.C. 1681b ( f ) prohibits any entity from obtaining a consumer report without a permissible purpose. Any continued access to my consumer report without my express written permission constitutes a violation of my rights under federal law. 

Therefore, I demand that you immediately : 1. Cease and desist from any further unauthorized access, use, or furnishing of my consumer report.

2. Remove any inquiries or accounts that were obtained without my written authorization.

3. Provide me with the names and contact information of any entity that accessed my report without my consent.

4. Provide proof of my written authorization for any disputed inquiries or accounts. If no such authorization exists, the disputed entries must be removed immediately.

If you fail to comply with this cease and desist demand, I will have no choice but to pursue further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing civil litigation for FCRA violations.

I expect full compliance and a written response within 30 days, as required under 15 U.S.C. 1681i. This letter serves as formal notice, and failure to act accordingly may result in legal consequences. 

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 2025-01-31 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: CA

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 2025-01-31 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds very quickly stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Today as I was trying to get all the accounts information from the Equifax report on their website and I was clicking on these accounts it locked me out of my Equifax account and I couldn't log in until I called them and when I did I was told they had to escalate the issue and it was going to take 7-10 business days to get resolved which I felt this was very mysterious. 
These are the accounts I report to be inaccurate. 
XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX- XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: TN

Complaint narrative:
Cash app close my account for no reason and my payroll get deposit into cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
, the Consumer Financial Protection Bureau ( CFPB ) announced that it had taken action against XXXX for systemic failures in investigating consumer disputes, reinserting inaccurate information into credit reports, and using flawed processes that resulted in inaccurate consumer data. These actions demonstrate a pattern of non-compliance with the FCRA, which further undermines the validity of your response to my dispute. XXXX and Experian must conduct a thorough, independent investigation without blindly accepting unverifiable claims from the furnisher. Resolution Demanded Given the clear violations of my rights and the failure to properly investigate this matter, I am demanding the following actions within 4 calendar days from the receipt of this letter : Immediate Deletion of the Disputed Account : If XXXX and Experian can not provide documentation verifying the accuracy and ownership of the account, it must be deleted immediately as required by 15 U.S.C. 1681i ( a ) ( 5 ). Removal of Hard Inquiries : Any hard inquiries associated with this account, including those initiated without permissible purpose, must also be removed. Provision of Documentation : If XXXX and Experian insists on continuing to report this account, I demand that you provide : The specific documents used to verify the account. The identity of the individual or entity who verified the account. A detailed description of the methods used during the investigation.

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