vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
Subject : Immediate Removal of Unauthorized Hard Inquiries To Whom It May Concern, I am formally demanding the immediate removal of the following unauthorized hard inquiries from my credit report. I did not authorize, apply for, or consent to these inquiries, and I have previously notified you that they are fraudulent. Despite my prior request, they remain on my report, negatively impacting my credit standing. 

Unauthorized Hard Inquiries : XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX MB FIN SVCS ( Finance ) XX/XX/XXXX XXXX AUTO ( Bank ) XX/XX/XXXX XXXX  AUTO FIN ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX As these inquiries were made without my authorization, they constitute a violation of my consumer rights under the Fair Credit Reporting Act ( XXXX  ). You are legally obligated to investigate and remove any fraudulent or inaccurate information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: FL

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 explanation
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
I am writing to follow up on my previous letter dated XX/XX/2025, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on my credit card XXXX. To date, I have not received confirmation of the correction nor observed any changes in my credit report. 
This issue appears to be in violation of the provisions of 15 U.S.

Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). Additionally, the FCRA, specifically sections 15 U.S. Code 9 16811 and 15 U.S. Code 1681s-2. Furthermore, I would like to refer to the XXXX XXXX XXXX of 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 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Blackhawk Network Holdings Inc.
State: IL

Complaint narrative:
In XXXX, I received a prepaid " virtual '' Mastercard with {$450.00} on it. The account is at XXXX. The card number is XXXX XXXX XXXX XXXX, expiration XX/XX/year>. ( There's a XXXX code, too, but I'm omitting that in this message for security reasons. ) I have been unable to use the card to make purchases online or get the card stored in my XXXX virtual wallet. I've followed all the directions that are available on the XXXX website, and I've tried calling XXXX, but there is no way to reach an actual person to talk to, and the phone prompts are not helpful. The email I received with my card in XXXX says I can request a physical card on the XXXX website, but there are no instructions on the website for how to request a physical card. I would like to receive a physical card that actually works, or a check in the amount of {$450.00}. Internet research suggests that XXXX  is not a reputable business. There are other complaints about it on the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: PA

Complaint narrative:
This XXXX  XXXX account {$6900.00} does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
This is a debit that was reported by the FEDERAL TRADE COMMISION, and I am not sure how this Debit even got into these peoples hands. This was charged off due to my XXXX  XXXX XXXX XXXX XXXX as these charges are not mine ; However any of these chargers would have been LATE FEES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: MI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX 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 2025-03-20 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: MI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX 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 2025-03-20 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: NJ

Complaint narrative:
I am writing to report a data breach that has exposed my personal information, which I believe violates my rights and privacy. On the week of XX/XX/year>, I learned that XXXX XXXX, who is not an employee of the government, infiltrated the XXXX Department of Education XXXX XXXX and pulled personal confidential information which I did not give written consent. My rights have been violated and were not protected by FERPA or the US department of education. XXXX XXXX XXXX access to internal systems containing personal information on tens of millions of Americans is a direct breach of violation. 
All of my personal sensitive information like address, phone number and social security information was shared and disseminated. 

This incident has caused me significant concern, as it could lead to identity theft, financial loss, and other privacy violations. I request to have all my loans forgiven and dissolved and completely removed from your system. I also request that the XXXX Department of Education investigate this data breach and take appropriate action to prevent future incidents by not allowing XXXX XXXX access to civilians personal information without consent. I have filed a complaint with FERPA, XXXX and US Department of Education. I will be contacting my states general attorney and any other civil rights organization to make aware of this violation. 

I would also appreciate any information regarding the steps the department has taken or plans to take to address this breach. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NJ

Complaint narrative:
I am writing to report a data breach that has exposed my personal information, which I believe violates my rights and privacy. On the week of XX/XX/year>, I learned that XXXX XXXX, who is not an employee of the government, infiltrated the XXXX Department of Education loan records and pulled personal confidential information which I did not give written consent. My rights have been violated and were not protected by FERPA or the US department of education. XXXX XXXX XXXX access to internal systems containing personal information on tens of millions of Americans is a direct breach of violation. 
All of my personal sensitive information like address, phone number and social security information was shared and disseminated. 

This incident has caused me significant concern, as it could lead to identity theft, financial loss, and other privacy violations. I request to have all my loans forgiven and dissolved and completely removed from your system. I also request that the XXXX Department of Education investigate this data breach and take appropriate action to prevent future incidents by not allowing XXXX XXXX access to civilians personal information without consent. I have filed a complaint with FERPA, XXXX and XXXX Department of Education. I will be contacting my states general attorney and any other civil rights organization to make aware of this violation. 

I would also appreciate any information regarding the steps the department has taken or plans to take to address this breach. Thank you for your time and attention to 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 explanation
Consumer complaint received 2025-03-20 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: NJ

Complaint narrative:
I am writing to report a data breach that has exposed my personal information, which I believe violates my rights and privacy. On the week of XX/XX/year>, I learned that XXXX XXXX, who is not an employee of the government, infiltrated the XXXX Department of Education loan records and pulled personal confidential information which I did not give written consent. My rights have been violated and were not protected by FERPA or the US department of education. XXXX XXXX XXXX access to internal systems containing personal information on tens of millions of Americans is a direct breach of violation. 
All of my personal sensitive information like address, phone number and social security information was shared and disseminated. 

This incident has caused me significant concern, as it could lead to identity theft, financial loss, and other privacy violations. I request to have all my loans forgiven and dissolved and completely removed from your system. I also request that the XXXX Department of Education investigate this data breach and take appropriate action to prevent future incidents by not allowing XXXX XXXX access to civilians personal information without consent. I have filed a complaint with FERPA, XXXX and XXXX Department of Education. I will be contacting my states general attorney and any other civil rights organization to make aware of this violation. 

I would also appreciate any information regarding the steps the department has taken or plans to take to address this breach. Thank you for your time and attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
I WAS ON HOLD FOR 5 MIN, WHILE I WAITED FOR A FOREIGNER WHO DID NOT UNDERSTRAND ENGLISH.

I TRIED 4 DIFFERENT WAYS TO EXPLAIN IN ENGLISH, I'M A 67 Y/O RETIRED MD ..

I CAN TELL WHEN A BANK HIRES INCOMPETANT EMPLOYEES,,  AFTER 4 TRIES TO REPORT A BIILING DISPUTE,, HE ASKS. "WHAT IS THE COMPLAINT #?"

THIS IS A WASTE OF TIME AND LAWS NERED TO BE PASSED TO MAKE IULLEGAL FOREIGN CALL CENTERS,..

I DISPUTE 03/14/2025
Legalshield *membrshi ada/ok - recurring billing
$39.95

THE LAW FIRM ASSIGNED DOESNT WANT MY CASE AND AFTER A WEEK THEY HAVE NOTHING

THIS IS A LEGAL SCAM, SET UP TO PROFIR FROM PEOPLE THAT NEED LAWYERS, BUT LAWYERS ONLY EWANT EASY BIG $$$ CASES,...  THIS IS FRAUD,,, LEGAL SHIELD ADVERTISES LAWYERS HELP YOU..

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 2025-03-20 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: CA

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : XXXX XXXX XXXX - Account # : XXXX - Reporting Past Due : {$0.00} I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.

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 2025-03-20 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: NE

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-03-20 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: MA

Complaint narrative:
On or around XX/XX/year> I submitted a dispute letter to Experian requesting an investigation of an alleged late payment that has been reporting on my credit file. In my dispute letter I requested verification in the form of any existing documents such as statements or bank statements from the creditor XXXX that I was more than 30 days late on a payment. I have sent this request on multiple occasions with the only response from XXXX being that the debt has been Verified as Accurate with absolutely no supporting documentation proving so which is my right under the FCRA laws that they furnish to me the method of verification. Experian had boldly and blatantly REFUSED to conduct a proper investing, which seems to be their customary practice of not completing investigations properly and providing me with the method in which they employed to verify this allegation of a late payment. For which they have been sued by the CFPB and still continue in this practice of not fully complying with consumer laws as set forth by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: Servatus Corporation
State: TX

Complaint narrative:
I originally filed a complaint against XXXX XXXX through the CFPB in XX/XX/2024 and never received a response. I have attached that complaint for reference. I am now escalating this matter due to XXXX XXXX unethical and unlawful debt collection practices related to an account originally held by XXXX XXXX. 

XXXX XXXX  purchased this debt despite Resource One engaging in illegal business practices, including repossessing my vehicle while I was on XXXX XXXX without obtaining a court order, in direct violation of 50 U.S. Code 3952 of the Servicemembers Civil Relief Act ( SCRA ). This law is in place to protect servicemembers from unlawful repossession, yet XXXX XXXX disregarded these protections. On top of this, XXXXXXXX XXXX business registration in Texas is inactive, and its right to conduct business has been forfeited, meaning it lacks the legal authority to report debts to credit bureaus. 

Beyond these legal violations, I was never notified that this debt was sold to XXXX XXXX, nor have I received any correspondence from them. This raises serious concerns about the legitimacy of their claim. A collection agency can not simply take ownership of a debt without properly verifying and notifying the alleged debtor. The case XXXX XXXX XXXX, XXXX makes it clear that collection agencies must conduct reasonable investigations and can not rely on illegal or unethical practices to collect debts. XXXX XXXX has failed to uphold these standards.

Given these violations, I demand the immediate deletion of account XXXX from all credit reporting agencies. I have attached a True Bill and supporting documentation for reference. This complaint serves as a formal request for XXXX XXXX to correct its unlawful business practices before I take further legal action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I've asked numerous times for these companies to provide simple information that is contained within their records and now they are refusing to provide or keep stalling asking me to submit more information. They have all the information they need to provide the data points I am seeking right away. These companies have surpassed the time allowed by law to investigate and are in continuous violation of my rights.

Company response to consumer: Closed with explanation