vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Urgent Request to Revisit Negative Credit Reporting by XXXX  Dear Sir/Madam, I am writing to formally request your assistance in resolving an issue with XXXX regarding inaccurate reporting to my credit score. I have held a loan with XXXX  since around XXXX, and due to intermittent withdrawals against the balance, I have not yet fully repaid the original amount. Several months ago, during financial difficulties, XXXX  offered alternative payment arrangements, which I accepted, and I have been diligent in making payments under this agreement. 

On XX/XX/XXXX, I made a scheduled payment as agreed. However, I encountered an unexpected issue : on XX/XX/XXXX ], I requested that XXXX  change my auto-debit authorization from my current account to my business account to prevent future missed payments. Despite this clear instruction, they continued to debit from the account I no longer use. This resulted in confusion and missing funds intended for future payments. 

To my surprise, XXXX  has now reported to the credit bureaus that I have not made any payment in the past XXXX  days, negatively affecting my credit score. I have solid proof of my payment on XX/XX/XXXX, as well as documentation of my request to change the auto-debit account. This erroneous report has serious ramifications for me, as I am actively seeking employment in another state and need to rent a home to stabilize my finances. 

I respectfully request the following actions : XXXX. Immediate Review and Correction : Please have XXXX review my account, taking into consideration the documented proof of my payment and my request to change the debit account. 
XXXX. Removal of Negative Reporting : Given that I have complied with the agreed payment terms, I request that the negative report affecting my credit score be removed promptly. 
XXXX. Assurance of Future Accuracy : I ask for confirmation that XXXX  will update my auto-debit information as per my instructions to prevent similar issues in the future. 

I am committed to continuing my payments and maintaining a responsible payment record. I firmly believe that this inaccurate reporting is unjust and is adversely affecting my financial well-being during a critical period of transition in my life. 

Thank you very much for your attention to this matter. I have attached copies of relevant documents, including payment confirmation and my auto-debit change request, as evidence. Please do not hesitate to contact me at XXXX XXXX or XXXX if further information is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: RI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: RI

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 explanation
Consumer complaint received 2025-04-10 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX Requires Consumer information to be reported Accurate and Complete according to the FCRA. 
The Accounts listed on my credit report are all inaccurate and unauthorized accounts which are a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I enclosed an attachment of the transaction. This was a fraudulent charge. I thought I was talking to a friend but their account was hacked and I sent it to a Venmo account that scammed me. This is all the money I have.

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 2025-04-10 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-10 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I noticed that these companies were listed in my inquiries and I do not authorize my credit to hard pulled from them. 
Santander Consumer USA XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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 am formally disputing the following late payment entries on my credit report : [ XXXX  XX/XX/year> 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 non-monetary relief
Consumer complaint received 2025-04-10 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: AR

Complaint narrative:
I have recently learned that I have become a victim of identity theft, and am requesting that the information I've list in my affidavit be removed within XXXX ( XXXX ) business days of receiving this notice, in accordance with the FCRA 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 2025-04-10 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:
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 non-monetary relief
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
My XXXX XXXX account ending in XXXX was closed in XXXX of XXXX. XXXX has continuously reported this account incorrectly to all three credit bureaus. This account Is being reported as open/late instead of closed/charged off. I have received almost XXXX late payment reports which has caused a significant drop in my credit score. XXXX has refused to re-age my account so that it reflects accurately to the credit bureaus. I was a member with XXXX since XXXX and was unable to maintain payments due to XXXX effecting my employment. Consumer law states that companies are obligated to report accurately and XXXX has consistently refused to do so.

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 2025-04-10 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-04-10 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: NJ

Complaint narrative:
A fair resolution would be the permanent deletion of all unauthorized inquiries from my TransUnion credit report, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquiries were made without my permission and are damaging my credit score. I am requesting immediate removal of these inquiries and written confirmation once completed. I am also asking that TransUnion strengthen its procedures to prevent unauthorized access to my credit file in the future.

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 2025-04-10 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: OH

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 2025-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to formally dispute XXXX medical collection accounts associated with my name that have been reported to your agency. I believe that these accounts are in violation of my rights under the Health Insurance Portability and Accountability Act ( HIPAA ). Specifically, I am concerned that my protected health information was disclosed without my consent and that these collections may not be accurate representations of my outstanding medical balances. Due to the potential violation of my HIPAA rights, I request the following : I request an explanation of how you are handling my medical information in compliance with HIPAA regulations. Please clarify how my information was shared and the specific authorizations obtained to disclose such information. Until this dispute is resolved and the terms of my HIPAA rights are clarified, I request that you cease reporting these accounts to credit bureaus. Please consider this letter a formal dispute according to the Fair Debt Collection Practices Act ( FDCPA ) and HIPAA. I expect a timely response within XXXX  days from the date of this letter, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: SC

Complaint narrative:
XX/XX/XXXX I noticed wrong information on my credit profile. i have contacted Experian serval times. i have not received a reply. I am requesting that the following items be immediately investigated. Please delete this misleading information to show my true credit history. According to the provisions of 15 US C section 1681i of the Credit Reporting Act of XXXX, 1 demand that the following items be re-verified and deleted from my record.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/XXXX I noticed wrong information on my credit profile. i have contacted Experian serval times. i have not received a reply. I am requesting that the following items be immediately investigated. Please delete this misleading information to show my true credit history. According to the provisions of 15 US C section 1681i of the Credit Reporting Act of XXXX, 1 demand that the following items be re-verified and deleted from my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
I am writing to formally dispute a collection account that has been reported under my name. The account in question does not belong to me, and I believe it may have been opened or reported in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have XXXX hard inquiries that are not mine, XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Need this removed from my Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX RE : Unauthorized Credit Inquiries Due to Identity Theft To Whom It May Concern, I am writing to formally report several unauthorized credit inquiries on my credit report, which are the direct result of identity theft. I did not authorize these inquiries, nor did I seek credit or services from the entities that performed them. These inquiries are negatively impacting my credit profile and were made without my knowledge or consent. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these unauthorized inquiries be investigated and permanently removed from all three of my credit reports ( XXXX, Equifax, and TransUnion ). 

Please find attached the following supporting documentation : - A copy of my FTC Identity Theft Report ( which includes the list of unauthorized inquiries ) - A copy of my government-issued ID - Proof of address For your convenience, I am also listing the unauthorized inquiries below : Unauthorized Credit Inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that the CFPB contact the relevant credit reporting agencies and furnishers to assist with the removal of these fraudulent inquiries. I am also requesting a full investigation into this matter. 

If you require any additional information or documentation, please contact me at the number or email listed above. Thank you for your time and prompt attention to this matter. 

Sincerely, 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 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Im submitting this complaint regarding a chargeback case with Bank of America involving approximately {$16000.00} in fraudulent transactions made using my debit card. These transactions were with international merchants located in countries such as XXXX and XXXX. I have no relationship with these merchants and never provided my personal information to them. I did not receive any goods or services, and there are no contracts, signatures, or proof linking me to these purchases. 

When I initially filed the dispute on XX/XX/year>, the case was closed within XXXX hours without a proper investigation. A supervisor later admitted that Bank of America did not contact any of the merchants involved. The case was denied based on vague reasoning that the pattern of transactions didnt appear to be an attempt to drain my account. This reasoning is not sufficient for a denial, especially when international merchants and potentially fraudulent intermediaries are involved.

I have spoken to multiple supervisors ( at least three separate occasions ) regarding this case, and they have acknowledged the lack of investigation on the initial decision. The case was eventually escalated and reopened. The bank has now sent out chargebacks to the merchants, but I am still being denied a provisional credit simply because the original decision was a denial. This is unfair, especially since the denial was based on incomplete and flawed reasoning. I should not be penalized for a mistake that the bank has already acknowledged. 

In the meantime, I am bearing the financial burden of these unauthorized transactions. I am requesting that the CFPB assist in urging Bank of America to issue a provisional credit while the chargeback process is underway, and to ensure that a proper, fair investigation is conducted. This delay is causing financial hardship and stress, and it is vital that my consumer rights are upheld. 
My claim number with Bank of America is Claim ID 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 monetary relief