vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
I recently became aware of the CFPBs lawsuit against XXXX and believe I was similarly negatively affected by TransUnion. My ability to obtain credit was harmed after receiving a response to my earlier dispute stating that the accounts in question had been verified. However, no details regarding your investigation were provided to support this conclusion. 

If compliance with regulatory standards is a priority, I strongly urge you to either provide the necessary evidence substantiating your findings or promptly remove the disputed accounts. 

I recently came across information regarding the CFPBs lawsuit against XXXX. I believe I was adversely affected, as my chances of obtaining credit were negatively impacted after receiving a response to a prior dispute stating that the accounts in question had been verified. I request that you either provide the necessary evidence to support this verification or promptly remove the disputed accounts. 

Fraudulent Claims and Misrepresentation Fraudulent Collection Attempts : If a collection agency continues to pursue a debt that has been discharged and reported via a 1099-C, they could be engaging in fraudulent practices. This might constitute fraud not only against the consumer but also potentially against the IRS, as it involves misleading actions regarding the status of the debt. 

Also reporting late payments are coming back verified no evidence Regarding Inaccurate Credit Reporting information that remains on my credit report despite previous attempts to rectify these errors. I have noticed that much like the issues highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, my disputes have not been adequately investigated or resolved. 

Specifically, I have repeatedly disputed the accuracy of the disputed item continues to be reported inaccurately. Each time, I receive a response indicating that the information has been " verified '' by the furnisher, yet no substantial proof or explanation is provided to support this verification. 

The CFPB has outlined in their lawsuit against XXXX that such practices violate the Fair Credit Reporting Act ( FCRA ), which mandates proper investigation of disputes and accurate reporting. XXXX, as noted by the CFPB, failed to conduct meaningful investigations, leading to the reinsertion of erroneous information into consumer credit reports. I believe my situation mirrors these allegations, where my concerns have been dismissed without thorough review or fair investigation. 

Dates : XXXX XXXX XXXX XXXX XX/XX/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 2025-01-14 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: IL

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.

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 2025-01-14 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:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.

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 2025-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
UCC 1:308 expressly stated, and reserved all rights, privileges, and protections pertaining to this XXXX XXXX XXXX XXXX. Santander Consumer violates the Fair Debt Collection Practices Act, prohibiting illegal theft and/or repossession of motor vehicles. There have been multiple instances of fraud enacted, by this business entity. The entity made several increases to the loan percentage without notifying the consumer. The lending entity illegally reposed ( XX/XX/XXXX ) and sold ( XXXX XXXX ) the vehicle, yet it was listed as a tax charge- or write-off. 

The lender violated Texas Business and Commerce Code 9.612 requiring creditors to inform consumers ten days before selling a repossessed car. The lender further violated the Fair Debt Credit Collections Practices Act, by manipulating the consumer into believing he was required to pay the full balance remaining on a 7-year auto loan, to regain possession of the vehicle before the date of maturity. Per, Finance Code, Title 4 Subtitle B, Chapter 348, Subchapter A ; repossession enacts a 'debt cancellation agreement ', but this lender refuses to honor said laws governing this alleged debt. 

This balance harms my credit report, borrowing ability, and near or future business endeavors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: IL

Complaint narrative:
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

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 2025-01-14 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:
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

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 2025-01-14 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: TX

Complaint narrative:
" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of XXXX. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''

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 2025-01-14 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 correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$0.00} Date of Account : 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 non-monetary relief
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE EQUIFAX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$430.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
I LOST my wallet along wsith my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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:
Im really upset that an unauthorized inquiry suddenly appeared on my credit report today, and I cant understand why. I double-checked by refreshing the page, but the issue didnt go away. I demand an immediate and thorough review of the documents I sent to resolve this problem and give me peace of mind.

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 2025-01-14 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:
Re : Personal Information Update Request & Investigation of Potential Identity Theft Dear Sir/Madam, I am writing to formally file a complaint regarding discrepancies and inaccuracies that appear across my credit reports from TransUnion, XXXX, XXXX, and XXXX. I have previously attempted to update my personal information and address discrepancies across my credit reports multiple times but have received no resolution. These inaccuracies may indicate potential identity theft, and I am requesting the immediate correction and deletion of erroneous information.

Personal Information Update Request : I respectfully demand the following corrections be made to my credit reports to ensure the accuracy and privacy of my personal data : Full Legal Name : Please ensure that my full legal name appears as XXXX XXXX only. 

Address Update : Please delete all outdated and irrelevant addresses from my credit reports. 
The only address I request to be included is : XXXX XXXX XXXX XXXX XXXX, GA XXXX I can not receive mail or any correspondence at these outdated addresses and have no access to them. Please ensure the removal of all other addresses listed. 
Phone Numbers : Please delete all phone numbers currently listed in my reports. 
Social Security Number & Date of Birth : For privacy and security reasons, please remove my Social Security Number and Date of Birth from being displayed on my credit report. 
Employer Information : Please delete all information listed under the " Employer '' section of my credit report.

Inconsistencies Across Credit Reports : Upon reviewing my credit reports, I have identified the following discrepancies across TransUnion, XXXX, and XXXX : Account Number Discrepancies : The same account number appears differently across the three bureaus. This inconsistency raises concerns about unauthorized individuals potentially altering or misusing my information. 
Payment Status Inconsistencies : Discrepancies in the payment status across the bureaus suggest errors or fraudulent activity, potentially indicating transactions that I did not authorize.

Address Variations : Different addresses are listed across the credit bureaus, which suggests that unauthorized individuals may be using my information to open accounts at various locations. This raises concerns about fraudulent accounts linked to my personal data.

Employer Information Inconsistencies : The employer information is inconsistent across the bureaus, which may indicate fraudulent attempts to link my identity to accounts I did not authorize.

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 2025-01-14 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:
Re : Personal Information Update Request & Investigation of Potential Identity Theft Dear Sir/Madam, I am writing to formally file a complaint regarding discrepancies and inaccuracies that appear across my credit reports from XXXX, Experian, XXXX, and XXXX. I have previously attempted to update my personal information and address discrepancies across my credit reports multiple times but have received no resolution. These inaccuracies may indicate potential identity theft, and I am requesting the immediate correction and deletion of erroneous information.

Personal Information Update Request : I respectfully demand the following corrections be made to my credit reports to ensure the accuracy and privacy of my personal data : Full Legal Name : Please ensure that my full legal name appears as XXXX XXXX only. 

Address Update : Please delete all outdated and irrelevant addresses from my credit reports. 
The only address I request to be included is : XXXX XXXX XXXX XXXX XXXX, GA XXXX I can not receive mail or any correspondence at these outdated addresses and have no access to them. Please ensure the removal of all other addresses listed. 
Phone Numbers : Please delete all phone numbers currently listed in my reports. 
Social Security Number & Date of Birth : For privacy and security reasons, please remove my Social Security Number and Date of Birth from being displayed on my credit report. 
Employer Information : Please delete all information listed under the " Employer '' section of my credit report.

Inconsistencies Across Credit Reports : Upon reviewing my credit reports, I have identified the following discrepancies across XXXX, Experian, and XXXX : Account Number Discrepancies : The same account number appears differently across the three bureaus. This inconsistency raises concerns about unauthorized individuals potentially altering or misusing my information.

Payment Status Inconsistencies : Discrepancies in the payment status across the bureaus suggest errors or fraudulent activity, potentially indicating transactions that I did not authorize.

Address Variations : Different addresses are listed across the credit bureaus, which suggests that unauthorized individuals may be using my information to open accounts at various locations. This raises concerns about fraudulent accounts linked to my personal data. 
Employer Information Inconsistencies : The employer information is inconsistent across the bureaus, which may indicate fraudulent attempts to link my identity to accounts I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
This morning, I discovered incorrect accounts listed on my credit report, and I have no idea how they appeared. I routinely check my credit report, but this time, unexpected discrepancies showed up. I even refreshed my browser, thinking it might be a glitch, but the incorrect accounts remained. Due to this issue, I kindly request a thorough review of the documents I provided so I can avoid future concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service
State: NV

Complaint narrative:
The company did not respond to my challenge on XX/XX/year>. On XX/XX/year> I submitted a dispute to a decision on disputed charges of my account originally submitted XX/XX/year>. The Exchange 's Terms & Conditions allow for this dispute within 10 days of decsion of dispute. This was decided XX/XX/year> and I notified the Exchange of my disagreement of the decision on XX/XX/year>. FCRA requires a response within 30 days of a dispute of charges submitted by a consumer. There was never a response from the company and therefore I am not resonsible for the disputed charges. All collection activity must cease immediately, including any attempts to offset my income or refunds.

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 2025-01-14 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 formally dispute certain entries on my credit report that do not belong to me and are negatively impacting my credit history. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to accurate, complete, and verifiable information on my credit report. 

The accounts in question are listed under Account Name : XXXX XXXX XXXX, Account Number : XXXX, which I have identified as fraudulent or inaccurately attributed to me. These accounts are not mine, and their presence on my credit report is unjustly harming my creditworthiness and access to financial opportunities.

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 2025-01-14 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: GA

Complaint narrative:
Re : Personal Information Update Request & Investigation of Potential Identity Theft Dear Sir/Madam, I am writing to formally file a complaint regarding discrepancies and inaccuracies that appear across my credit reports from XXXX, XXXX, Equifax, and XXXX. I have previously attempted to update my personal information and address discrepancies across my credit reports multiple times but have received no resolution. These inaccuracies may indicate potential identity theft, and I am requesting the immediate correction and deletion of erroneous information.

Personal Information Update Request : I respectfully demand the following corrections be made to my credit reports to ensure the accuracy and privacy of my personal data : Full Legal Name : Please ensure that my full legal name appears as XXXX XXXX only. 

Address Update : Please delete all outdated and irrelevant addresses from my credit reports. 
The only address I request to be included is : XXXX XXXX XXXX XXXX XXXX, GA XXXX I can not receive mail or any correspondence at these outdated addresses and have no access to them. Please ensure the removal of all other addresses listed. 
Phone Numbers : Please delete all phone numbers currently listed in my reports. 
Social Security Number & Date of Birth : For privacy and security reasons, please remove my Social Security Number and Date of Birth from being displayed on my credit report. 
Employer Information : Please delete all information listed under the " Employer '' section of my credit report.

Inconsistencies Across Credit Reports : Upon reviewing my credit reports, I have identified the following discrepancies across XXXX, XXXX, and Equifax : Account Number Discrepancies : The same account number appears differently across the three bureaus. This inconsistency raises concerns about unauthorized individuals potentially altering or misusing my information.

Payment Status Inconsistencies : Discrepancies in the payment status across the bureaus suggest errors or fraudulent activity, potentially indicating transactions that I did not authorize.

Address Variations : Different addresses are listed across the credit bureaus, which suggests that unauthorized individuals may be using my information to open accounts at various locations. This raises concerns about fraudulent accounts linked to my personal data.

Employer Information Inconsistencies : The employer information is inconsistent across the bureaus, which may indicate fraudulent attempts to link my identity to accounts I did not authorize.

Company response to consumer: Closed with non-monetary relief