vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: SC

Complaint narrative:
I am a XXXX of identity theft. There are some car loans, credit card and cell phone bill on my credit reports. I didn't give anyone permission or authorizations to open these accounts iny name. Inquiries are as follows 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 non-monetary relief
Consumer complaint received 2025-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am disputing multiple inaccuracies in my Equifax credit report that misrepresent my financial history and violate the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The report contains erroneous data for several accounts, including a collection account ( XXXX, {$9000.00} owed ), a closed auto loan ( XXXX XXXX XXXX XXXX with inaccurate delinquency history ), multiple DEPTEDXXXX education loans ( balances ranging from {$2600.00} to {$15000.00} ), and an account from XXXX XXXX  XXXX XXXX status with questionable delinquency history ). These accounts reflect incorrect payment statuses, past due amounts, and delinquency histories ( e.g., XXXX and XXXX delinquencies ) that do not align with my records. 

Issues Identified : Inaccurate account details, including balances, payment statuses, and delinquency records, which misrepresent my financial trustworthiness.

Failure to adhere to Metro 2 reporting standards, undermining the precision and timeliness required by law. 



Lack of verification for disputed entries, particularly the XXXX XXXX  account, potentially warranting their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I am no longer able to afford the car I financed due to the extremely high interest rate. The monthly payments have become unmanageable for me, and despite my efforts, I have fallen behind. 
Now the account has been reported to my credit, which has significantly damaged my credit score. This has made it difficult for me to move forward financiallyI cant qualify for other financing, housing, or even basic necessities that rely on good credit. 
I'm reaching out in hopes of finding a solution. I would appreciate any assistance, whether thats restructuring the loan, settling the balance, or finding an alternative path forward. I want to resolve this, but I simply can not continue with the current terms I volunteered to repossess my car and give it back to the bank The bank reported it to the credit that they repossessed it because of late payment I used to make payments on time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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, Engelhardt V. Gravens ( MO ) 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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
My case started in XXXX. I bought a {$3000.00} couch, and due to predatory lending behavior, they renewed my loan so many times I lost count. Everytime I would get a little paid off, they'd dangle the carrot. Not everyone will lend to me because they don't understand my pay. My employer paid for me to have XXXX XXXX XXXX XXXX, and Tower Loans didn't care. I have never had a late payment, ever. I only make a certain amount until I'm XXXX. It's paid by an insurance company, and I will never get a raise like a lot of Americans did. I've repeatedly asked that they stop harassing me. I told them they had to stop calling me, but most importantly, my mom. I am estranged with my mom, and everytime they call her she calls my dad 's brother. Who is also XXXX. He then comes and tells me, and it's panic city. They have me agitated, sleepless and furious. I need someone to care about what's happening. The office manager said that while I had a debt with them, they will continue to call and leave voicemails every day. I can't possibly keep up with all their phone numbers to block. Doesn't matter, as they will still leave a voicemail. I've had it. They sent a guy to my house. I opened the door with my bat, since my husband wasn't home. I got my message to him loud and clear that they are not welcome on my property. The harassment has me so worked up, that I don't know what to do.

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 2025-04-18 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: MD

Complaint narrative:
Subject : Dispute of Potentially Negative Item Violation of 15 USC 1681i ( a ) ( 7 ) To Whom It May Concern, I am filing a complaint regarding potentially inaccurate and negative information reported on my credit file, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 7 ).

Under this statute, if a consumer disputes the completeness or accuracy of any item in their credit file, the credit reporting agency must conduct a reasonable investigation and provide the consumer with a description of the procedure used to determine the accuracy and completeness of the information.

I recently disputed the following account ( s ) with the credit reporting agency, but have not received proper documentation or a reasonable investigation in response : Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Reported Item : XX/XX/XXXX Nature of the Dispute : Account does not belong to me, Reported balance is inaccurate, Payment history is incorrect I requested verification and an explanation of the procedures used to verify this information as required under 15 USC 1681i ( a ) ( 7 ), but my request was ignored or inadequately addressed.

This failure to comply with the FCRA constitutes a violation of my consumer rights. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure the credit reporting agency provides proper documentation, or deletes the inaccurate information from my credit file. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # A XXXX XXXX Date of Birth : XX/XX/XXXX Last 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 2025-04-18 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: MD

Complaint narrative:
Subject : Dispute of Potentially Negative Item Violation of 15 USC 1681i ( a ) ( 7 ) To Whom It May Concern, I am filing a complaint regarding potentially inaccurate and negative information reported on my credit file, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 7 ).

Under this statute, if a consumer disputes the completeness or accuracy of any item in their credit file, the credit reporting agency must conduct a reasonable investigation and provide the consumer with a description of the procedure used to determine the accuracy and completeness of the information.

I recently disputed the following account ( s ) with the credit reporting agency, but have not received proper documentation or a reasonable investigation in response : Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Reported Item : XX/XX/XXXX Nature of the Dispute : Account does not belong to me, Reported balance is inaccurate, Payment history is incorrect I requested verification and an explanation of the procedures used to verify this information as required under 15 USC 1681i ( a ) ( 7 ), but my request was ignored or inadequately addressed.

This failure to comply with the FCRA constitutes a violation of my consumer rights. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure the credit reporting agency provides proper documentation, or deletes the inaccurate information from my credit file. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # A XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OR

Complaint narrative:
Edfinancial payments being reversed after being shown that they were received and accepted, money not returned either, {$700.00} in loans and i dont know where that money is because its not in my edfinancial and not in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-18 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-18 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: OH

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: OH

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-04-18 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: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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