vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: TX

Complaint narrative:
I have no liability to XXXX. XXXX, XXXX for they are a third party debt collector and I have contract no with them. XXXX. XXXX XXXX brought the debt from XXXX XXXX XXXX XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like XXXX. XXXX, XXXX to provide me the direct contract between them and XXXX XXXX XXXX XXXX showing that they are authorized to XXXX for XXXX XXXX XXXX XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and XXXX U.S. Code XXXX - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or a way to opt out of XXXX. XXXX XXXX, Transunion, and XXXX reporting this to 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 2025-02-01 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
disputed with XXXX several times on my collections and they keep coming back saying verified and i ask them to send me proof of how they did the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
I'm writing to let you know that the ECOA is being violated by Santander Consumer USA and many other violations I can point out are being committed against me as a consumer. They have benefited from me without me benefitting which is security fraud and the company has gone against the UCC, Trust Indenture act of XXXX, Securities Exchange Act of XXXX & XXXX. I have sent the company this letter I will have attached to this complaint. Also, I'm revoking their POA using the IRS 2848 form and appointing a new POA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-01 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: CA

Complaint narrative:
XXXX XXXX SS XXXX XXXX  birthday XX/XX/XXXX This CFPB complaint has been filled to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate, and false information consist of a XXXX  loan opened on XX/XX/XXXXat XXXX XXXX XXXX act # ( XXXX ) and Collection XXXX XXXX XXXX started XX/XX/XXXX act XXXX XXXX and Hard inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent inquiries and collections appearing on my consumer FICO credit report .I 've included a list of the hard inquiries as well as copies of the consumer FICO credit report maintained by you which shows these items I've mentioned.i do not recognize the aforementioned accounts, collections, or hard inquiries on my consumer report maintained by you were not opened, made, or initiated by me. all these accounts I've mentioned are a result of fraud and identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX  Account Number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$750.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-02-01 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX 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. 

XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$18000.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$18000.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX # XXXX XX/XX/XXXX - Balance : {$1900.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX : XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Global Lending Services LLC
State: MO

Complaint narrative:
I'm writing to let you know that the ECOA is being violated by Global Lending Services and many other violations I can point out are being committed against me as a consumer. They have benefited from me without me benefitting which is security fraud and the company has gone against the UCC, Trust Indenture act of XXXX, Securities Exchange Act of XXXX XXXX XXXXXXXX. I have sent the company this letter I will have attached to this complaint. Also, I'm revoking their POA using the IRS 2848 form and appointing a new POA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting.

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 2025-02-01 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: GA

Complaint narrative:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment/s ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
[ XXXX XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time : It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection lawe

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 2025-02-01 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: AL

Complaint narrative:
please check the information concerning the Equifax data breach below in the attachment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
My credit report is showing an error that is affecting my payment history on XXXX of my accounts. I have asked the company to correct this but they have been ignoring me and now this is affecting score and I am being denied for a home loan.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize any car loan inquiries. This is due to fraud XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
It's been XXXX months since our funds have been held in the closed account. We've provided all the requested documents, yet Citi Bank remains unsatisfied. Despite our repeated requests, each response takes 15 days, but the issue remains unresolved. This ongoing situation is extremely frustrating. These funds rightfully belong to us, and given Citi Banks vast network, they should conduct a proper investigation. That money isnt theirs to keep.

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 2025-02-01 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: FL

Complaint narrative:
Ms XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, can be reached at XXXX or XXXX. As of XX/XX/year>, Experian has verified the other address and declined to remove all other addresses showing on my credit report. 
The Fair Credit Reporting Act ( FCRA ) mandates a XXXX investigation by credit bureaus into disputed information, including addresses. Despite multiple submissions and calls, including fraud reports, providing evidence of the correct address, Experian has failed to comply with FCRA requirements regarding the accuracy and integrity of the information they maintain. 

I have called and sent in evidence of my correct address with a copy of my drivers license and a utility bill. I spoke with multiple representatives adviseing me the other addresses was verified when I request to send me proof of the investigation the stated they're where unable to send me the information I have proff attached that the verified my correct address but refused to remove the other address with it showing verified with no other information to prove or show documentation of 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 non-monetary relief
Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
Ms XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, can be reached at XXXX or XXXX. As of XX/XX/year>, Experian has verified the other address and declined to remove all other addresses showing on my credit report. 
The Fair Credit Reporting Act ( FCRA ) mandates a XXXX investigation by credit bureaus into disputed information, including addresses. Despite multiple submissions and calls, including fraud reports, providing evidence of the correct address, Experian has failed to comply with FCRA requirements regarding the accuracy and integrity of the information they maintain. 

I have called and sent in evidence of my correct address with a copy of my drivers license and a utility bill. I spoke with multiple representatives adviseing me the other addresses was verified when I request to send me proof of the investigation the stated they're where unable to send me the information I have proff attached that the verified my correct address but refused to remove the other address with it showing verified with no other information to prove or show documentation of the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: NC

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I added my daughter number to my account because I work overseas and the bank wont accept my XXXX #. The bank accepted my daughter number now they saying they cant get into my account because they cant complete verification of the phone number if its not in my name. Then they said the only other option to verify my account is a letter. I explained to them I work overseas and I am home on vacation. Plus the account I was trying to transfer my money into I never received the card to that account. So I dont believe the letter verification is an accurate policy. Mail is easy to steal and mix up. They did not try and help me. No im on my vacation completely broke.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Dear CFPB, I am submitting this formal complaint regarding my ongoing dispute with Experian, referenced under case number XXXX. Experian has failed to conduct a proper investigation into my dispute and has engaged in delay tactics rather than addressing the issues raised. 

Key Issues with Experians Handling of My Dispute : Failure to Conduct a Meaningful Investigation : Experian has not properly investigated the disputed information on my credit report, despite receiving supporting documentation. 
Deflecting Consumer Complaints : Instead of directly addressing my complaint, Experian directed me to generic resources like their dispute center, rather than providing a substantive response. 
Unnecessary Requests for Repetitive Submissions : Experian has asked me to resubmit documents through their internal portal, even though I have already provided them via the CFPBs complaint system. 
Unjustified Delays : Experian has failed to provide a clear resolution timeline, keeping my dispute unresolved and negatively impacting my credit profile. 
Parallels to CFPBs Recent Enforcement Action Against XXXX On XX/XX/year>, the CFPB ordered XXXX to pay a {$15.00} million penalty for failing to properly investigate consumer disputes and for reinserting previously deleted inaccuracies in consumer credit reports. The CFPB found that XXXX : Ignored consumer documents submitted with disputes. 
Failed to meaningfully investigate inaccurate credit reporting. 
Allowed previously removed errors to be reinserted into consumer credit files. 
Provided misleading or contradictory responses to consumers regarding dispute resolutions. 
Experian appears to be engaging in similar misconduct by failing to address my dispute appropriately and delaying resolution without justification. Given the CFPBs recent enforcement action against XXXX, I urge the Bureau to investigate Experians handling of my case and hold them accountable for non-compliance with the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( CFPA ).

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