vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: NY

Complaint narrative:
I voluntarily surrendered my XXXX XXXX XXXX on XX/XX/XXXX. XXXX issued a notice dated XX/XX/XXXX, stating the vehicle would be sold after XX/XX/XXXX. As of XXXX XXXX, the vehicle has still not been sold. Despite this, XXXX reported a {$33000.00} charge-off in XX/XX/XXXX and listed {$32000.00} as past due, which dropped my credit score by XXXX points. 

This is an inaccurate and misleading report. The vehicle has not been sold, and no final deficiency balance has been calculated. This violates FCRA guidelines requiring accurate, verifiable information in consumer credit reports. 

I am requesting the CFPB compel XXXX XXXX XXXX to correct this entry or remove it until the final balance is determined and all proper notices are issued.

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 2025-04-11 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:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: NV

Complaint narrative:
After reviewing my credit report. I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-04-11 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:
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 non-monetary relief
Consumer complaint received 2025-04-11 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-11 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:
Subject : DEMAND DELETE INMEDIATLY INQUIRIES UNAUTHORIZED UNDER CREDIT REPORT I recently reviewed my credit report and found unauthorized inquiries. 
I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal. 
I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. Pursuant to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In General. Subject to subsection ( e ), any consumer reporting agency may provide a consumer report under the following circumstances and no others. ( F ) otherwise has a legitimate business need to obtain the information ( 1 ) in connection with a business transaction initiated by the consumer.

Per 15 U.S. Code 1681i, Paragraph ( 5 ) Handling of Inaccurate or Unverifiable Information ( A ) In general. If, after a reinvestigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall : ( 1 ) promptly delete.

ADDICIONALLY, Pursuant to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIERES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account.

I demand that you show me verifiable proof ( an original consumer contract with my signature ) that you have on le for the accounts listed below. Your failure to positively verify these accounts has affected my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you can not provide me with a copy of the verifiable proof, you must remove the accounts listed below. 
I demand that the following INQUIRIES be verified or removed immediately. 
The following inquiries are not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: NJ

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Received notifications of a fraudulent hard inquiry on XXXX on XX/XX/XXXX. I Contacted Truist Bank phone numbers in XXXX XXXX utilized for the inquiries. Left XXXX voice messages. I definitely believe that Truist is negligent for not returning any of these calls. They obviously dont care and customer service at branch level definitely does not care. Received fraudulent Truist credit card in the mail XXXX week later on XX/XX/XXXX. Immediately called the fraud number on the credit card. Customer service in phillipines opened investigation. XXXX at Truist noted that the accounts needed to be investigated and provided a case reference number. He provided a phone number for further discussions. on XX/XX/XXXX, I called that number and it didnt work. I found another Truist number and spoke to XXXX XXXX XXXX XXXX call center ) infomed me that she shut down the online banking, checking, debit card and credit card accounts. She also put the Truist fraud alert on the accounts. Next day, a yellow notice in my mailbox with a fraudulent vacation hold on my mail. Opened XXXX investigation. Had fraudulent mail hold taken off and received a print out with the notification that had a XXXX area code phone number. XXXX is XXXX. I live in XXXX. Then the next day after I received a fraudulent XXXX informed delivery letter. I went online to declare that the XXXX informed delivery account was fraudulent. Then I set up a correct XXXX informed delivery account with my email address. On XX/XX/XXXX, I received a letter from Truist of a decline for a fraudulent personal loan application of {$30000.00} in XXXX. I have called Truist XXXX times regarding this fraud. Spoke to XXXX Truist employees. Both have suggested I speak to XXXX XXXX at XXXX. I have called XXXX XXXX times and left multiple voice messages. She has negligently refused to call me back. I think there could be a larger bank fraud here because XXXX XXXX is the banker that worked on the personal loan is no longer with the bank and the XXXX people that I talked were very clear that I need to talk to XXXX regarding any XXXX activities. Truist is TERRIBLE for obtaining information. They could not tell me how any of the fraudulent accounts were set up. Totally worthless. My guess is that true criminals understand how poor the policies are at Truist bank and their general negligence and take advantage of how bad they are or Truist could have employees that are in on the fraud. They refuse to properly communicate so Im not certain.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have canceled all fraud alerts with Experian, XXXX and XXXX. However, Experian continues to deny my prospective mortgage company access to my record, claiming that there is a fraud alert in place. I have signed in to my account, confirmed that there is NO active fraud alert, but they continue to deny access to my prospective mortgage company.

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 2025-04-11 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Immediate Investigation and Deletion of Inaccurate Reporting on Charged-Off Citibank Account XXXX To Whom It May Concern, I am writing to formally dispute and request the immediate correction of inaccurate information being reported on my XXXX credit report regarding a Citibank account that was previously charged off. 

As per my records and industry standards, once an account has been charged off, it can not continue to be reported as " past due. '' However, my credit report inaccurately shows this account as being past due as of XX/XX/year>. This is incorrect and misleading reporting. 

A charge-off means the creditor has closed the account and moved it to a loss categoryit can not simultaneously be reported as past due on a month-to-month basis. Continuing to show a " past due '' status after the charge-off date is not only erroneous but also a direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and integrity of the information in consumer credit files. 

XXXX 's failure to correct this inaccurate reporting is having a negative impact on my creditworthiness and personal financial standing. This type of reporting reflects a clear lack of understanding of proper credit data handling and must be resolved immediately. 

I am requesting that XXXX : XXXX. Investigate and verify the accuracy of the reported data with Citibank. 
XXXX. Remove any post-charge-off delinquency entries ( such as past due notations dated XX/XX/year> and beyond ). 
XXXX. Provide written confirmation that this correction has been made. 

Please consider this letter a formal dispute under the FCRA. I expect a response within the XXXX timeframe mandated by law. 

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 2025-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
the loan was pushed through with false information, The dealer lie about my income, and lied about my work history and employment to get the loan to go through .and i was pushed to sign documents that were not filled out at time of signing .and they put the wrong phone number through so the bank never call me to review what was entered on the loan papers. my income was not XXXX amonth my income is only XXXX a month and the house payment is XXXX so for my pocket out is XXXX they approved me with only a XXXX income

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avadyne Health Holdings, Inc
State: KS

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XXXX, Medical bills from collection agencies were asked to be removed from all three credit reports with the following verbiage : PER THE CFPB, REGULATION V, BILLING CODE : XXXX MEDICAL BILLS CA NO LONGER BE REPORTED ON A CONSUMER CREDIT REPORT. PLEASE REMOVE THIS INFORMATION IMMEDIATELY IN ACCORDANCE OF FEDERAL LAW. 

The information has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: LEXISNEXIS
State: NC

Complaint narrative:
I am submitting this formal personal statement to the Consumer Financial Protection Bureau regarding my identity theft case, documented in FTC Identity Theft Report # XXXX. This statement serves as both an assertion of my consumer rights and a demand for immediate and permanent action regarding fraudulent items reported to consumer credit reporting agencies. 

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681c-2 ( Blocking of information resulting from identity theft ) and 15 U.S.C. 1681i ( Reinvestigation of disputed information ), I am legally entitled to : Have any information resulting from identity theft blocked from my credit report upon submission of an identity theft report. 
A reasonable reinvestigation of all disputed items, and for inaccurate, incomplete, or unverifiable information to be deleted from my credit report. 
Protection from continued re-reporting of the same fraudulent information once it has been formally disputed. 

I have submitted an official identity theft report, certified under penalty of perjury, detailing several unauthorized accounts fraudulently opened in my name, including but not limited to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts represent identity theft events that have caused severe harm to my credit and personal reputation. In light of multiple widespread data breaches that have compromised consumer information across major institutions, I demand the full and immediate enforcement of FCRA protections without delay. 

Additionally, all three nationwide consumer reporting agencieXXXX XXXX, and XXXX also including Lexis Nexus, XXXX, XXXX XXXX XXXX  obligated under federal law and their own publicly stated policies to : Permanently remove fraudulent information when presented with an FTC Identity Theft Report ; Cease reporting of disputed information while under investigation ; Provide the consumer with written results and a free copy of the report if the dispute results in a change. 

Failure to act in accordance with these laws and policies may result in legal action. 
I request the immediate removal and permanent blocking of all fraudulent, inaccurate, and unauthorized accounts listed in my reports to all credit bureaus. I also request confirmation of receipt and compliance in writing. 

Thank you for your attention and for upholding the rights of consumers like myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Trans Union LLC, Equifax LLC, Experian keeps saying I need to send in more FTC reports. They will not remove addresses that are not mine. And a fraudulent account reporting on my consumer file called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: OK

Complaint narrative:
Trans Union LLC, Equifax LLC, Experian keeps saying I need to send in more FTC reports. They will not remove addresses that are not mine. And a fraudulent account reporting on my consumer file called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-04-11 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: DE

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 non-monetary relief