vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: NY

Complaint narrative:
The Three Major credit reporting agencies are reporting Unauthorized, Fraudulent hard inquiries on my credit report please see attached FTC report # XXXX & please also UPDATE My personal address thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear Equifax According to 15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report except for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete all phones numbers i demand my social security number and date of birth to be removed From being displayed on the credit file for my privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected Consumer and I have a right to privacy. Not granting me my rights is in direct Violation of 15 USC 1681. And all its subsections. Please update and delete all requested personal information. 

Best Regards, XXXX XXXX Also I have hard inquiries that are mines but they are passed XXXX  Months also removed them from my consumer profile Experian XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion-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 2025-03-25 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: FL

Complaint narrative:
Upon reviewing my credit report, I was disturbed to find accounts that I do not recognize. I never opened these accounts, yet they are appearing under my name, which is completely inaccurate and unacceptable. This misinformation is damaging my credit history, and I need immediate action to correct it.

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 2025-03-25 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: VA

Complaint narrative:
I am reaching out to express my frustration over the inaccuracies on my report that are negatively impacting my scores. These errors have created unnecessary financial barriers and have limited my ability to access opportunities that I rightfully deserve. It is unacceptable to be penalized for mistakes that are beyond my control.

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 2025-03-25 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: GA

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX  TransUnion

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 2025-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
1. Excessively High Interest Rate ( 17.50 % ) This interest rate is steep and may indicate predatory lending 2. High Documentary & Add-on Fees Doc Fee : {$900.00} and Optional Debt Cancellation : {$900.00} the cap in Texas is {$150.00} for most deals unless the buyer signs a separate acknowledgment which I didn't. I wasnt adequately informed or didn't explicitly agree to these fees, which is a compliance violation. 
3. Optional Add-ons ( Debt Cancellation ) May Not Be Truly Optional The Optional Debt Cancellation Agreement appears as an included charge in the loan, but : Its not clear whether it was actually optional, or if it was just bundled in. Buyers must consent to optional add-ons if they dont explain it well, it can be challenged. 
4. Arbitration Clause Limits Your Legal Rights The arbitration clause and class action waiver significantly reduce your ability to sue or join others in legal action. While not illegal, this is often hidden in small print and not clearly explained to buyers, especially in subprime agreements. 
5. Finance Charge and Total Sale Price Discrepancy Vehicle price : {$19000.00} Down payment : {$3800.00} Total of payments : {$28000.00} Total Sale Price : {$32000.00} This means I'm paying over {$12000.00} above the vehicle price, which may be acceptable for long-term financing, but combined with fees and high APR, it's a huge markup and may reflect price inflation or unethical profit stacking. 
7. Vague or Unclear Language Some contract sections are dense legal jargon with limited explanation. Phrases like You must keep the vehicle insured or This contract does not include insurance might confuse a buyer if not explained clearly. 

8. GAP Insurance Mentioned? 
Yes, but not directly as " GAP insurance '' instead, the contract includes an " Optional Debt Cancellation Agreement '' for {$900.00}, which functions similarly to GAP coverage. 

9. Details from the Document : Found on the page titled " OPTIONAL DEBT CANCELLATION AGREEMENT '' ( Page 3 of 6 ). 
Cost : {$900.00} Term : 66 months Description : You will cancel certain amounts I owe under this contract in the case of a total loss or theft of the vehicle Thats essentially what GAP insurance does : If your car is totaled or stolen and your loan balance is more than what your insurance pays, GAP ( or this debt cancellation product ) covers the difference. 
BUTHeres the Catch : It's not called " GAP Insurance '' because it technically isn't an insurance product. It's a debt cancellation waiver, not regulated the same way as insurance. It may not offer the same protections or flexibility as actual GAP insurance. Its optional but was it really? You were charged {$900.00} for it. If you werent clearly told it was optional, or didnt sign separately for it knowingly, this could be grounds for dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # XXXX. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
Subject : Experian 's Failure to Remove Identity Theft Information from Credit Report Dear CFPB, I am writing to file a formal complaint against Experian for failing to remove negative information from my credit report despite my clear evidence of identity theft. The negative entry, listed as XXXX XXXX Bank XXXX, has been reported on my credit file, and I am a victim of identity theft. 
I have already submitted a Federal Trade Commission ( FTC ) Identity Theft Report to Experian, but they have yet to take appropriate action in removing the fraudulent account from my report. Despite my efforts to resolve this matter by providing necessary documentation, Experian has continued to include this erroneous and damaging information on my credit report, causing harm to my financial standing and credit score. 
I request that the CFPB intervene to ensure that Experian properly investigates and removes this fraudulent information in compliance with the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : * Creditor/Account : XXXX XXXX Bank XXXX ( listed on my report ) * Nature of the Issue : Identity theft/fraudulent account * FTC Report Submission : I submitted an FTC Identity Theft Report to Experian, but they have not corrected my report or taken any corrective action. 
* Impact : This negative information is harming my credit score and financial opportunities. 
I respectfully ask for your assistance in ensuring that Experian complies with the law and removes this fraudulent account from my credit report as soon as possible. 
Thank you for your attention to this matter. I look forward to your timely response and resolution of this issue. 

Sincerely, 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 2025-03-25 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:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-03-25 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:
Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my grave concern regarding the presence of fraudulent and unauthorized accounts on my credit report, which are causing significant distress and financial harm. It is of utmost importance to underscore that these accounts do not belong to me and are fraudulent. 

I have made numerous attempts to address this issue by submitting disputes and complaints. 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, my Proof of Address, and SSN Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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 am a United States XXXX Veteran. My sir name is incorrect, I am a XXXX, not a XXXX or a XXXX as it is on my Birth Certificate, California Real ID and my Military XXXX. I have unauthorized Hard Inquiries on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't get my mail often. I tried to tell them that I did not authorize this inquiry, but they did nothing, along with many other inquiries on my credit reports. I do not authorize this inquiry and is still trying to figure it out how this happen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/XXXX I reached out to several law firms requesting a call back for council I received a call back around 1 hour after leaving a voicemail from a attorney who claimed his name was XXXX XXXX. I confirmed that XXXX XXXX worked for XXXX a law firm in XXXX XXXX where I reside. After having about a 30 minute conversation with him on my other situation he confirmed that he could help me as a lawyer and I needed to place a retainer fee. He told me that he could accept electronic payments over the phone via XXXX or XXXX. I sent the payment for {$1200.00} via XXXX through my US bank account. The next day I tried to get a hold of him and was unsuccessful so I called the office directly. To my surprise XXXX XXXX had never heard of me had never received my payment nor did that office receive payments through XXXX. XXXX law firm is additionally attempting to find this imposter and file legal claims aw well. And US bank denied my claim for this being 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 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
it has been over 35 days with no response from the credit agencies nor from the companies. i sent letters to all 3 of the credit agencies please look at the attached letters

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 2025-03-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
it has been over 35 days with no response from the credit agencies nor from the companies. i sent letters to all 3 of the credit agencies please look at the attached letters

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-03-25 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: VA

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

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 2025-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and this vehicle was a total loss from Hurricane Milton in Florida. My daughter has contacted Vystar several times to advise the vehicle was a total loss and the insurance was in the process of paying the loan. She also advised the credit union that we had the GAP insurance to pay balance however I never went through this process before and didnt know I had to file a separate claim. Vystar credit union continue to charge fees. Even after receiving {$13000.00} from auto insurance and {$6800.00} from GAP insurance. Vystar received a total of {$20000.00} from insurance. Which I feel I should now have a zero balance however credit union loan still shows a balance owed of {$2400.00} this balance includes a lot of late fees charged continuously after notice of loss. This has also hurt my credit score as Vystar continued to report to the credit bureau. I believe they could have a least put a hold due to already go thru enough from two hurricanes.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute a collection account that is inaccurately reported on my credit file. This collection account does not belong to me, and I have no recollection of any agreement with the collection agency in question. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute a collection account that is inaccurately reported on my credit file. This collection account does not belong to me, and I have no recollection of any agreement with the collection agency in question. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable.

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 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/year> requested debt verification letter from collection agency. Agency unable to verify debt

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 2025-03-25 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:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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