vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: VA

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

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 2025-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
I purchased a used car and was rushed through the paperwork. This is my first time financing a car and I was never clearly told I was signing for a 19 % APR over 72 months, and the dealership never explained the financing terms before I signed. I had a XXXX XXXX XXXX at the time of signing and was told later that I got this rate because Im young, with no cosigner and a thin credit file, which I dont believe justifies a 19 % rate. I feel this was predatory, especially since my parents were present and also felt rushed. I didnt receive proper disclosures as required by the Truth in Lending Act. I want this contract reviewed and renegotiated at a fair rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-05-06 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: CA

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX  XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding inaccurate information on my credit reports maintained by Equifax, Experian, and TransUnion due to identity theft. My name is XXXX XXXX XXXX, and my personal information, including my Social Security number and addresses ( XXXX XXXX XXXX, XXXX, XXXX  XXXX, and others ), has been compromised, leading to fraudulent accounts and charges. 
The theft was discovered in XX/XX/XXXX, with fraudulent activities dating back to XXXX, including credit cards, phone accounts, and utility services totaling over {$12000.00} in unauthorized charges. Despite my efforts to maintain a responsible credit history, these agencies continue to reflect these inaccuracies, impacting my credit score. I have reported this to the Federal Trade Commission ( FTC Report Number : XXXX ) and the XXXX XXXX XXXX XXXX ( Case # XXXX ), and I have requested the removal of these fraudulent entries. 
I request your assistance in investigating this matter and ensuring that Equifax, Experian, and TransUnion correct my credit reports by removing all disputed items as outlined in my FTC Identity Theft Report. I have been a victim of this crime, and it has caused significant distress, especially given my responsibilities as a truck driver, trainer, and caregiver to my son with a brain injury. 
These are all the accounts thats part of identity theft. 

XXXX XXXX XXXX account number XXXX opened on XX/XX/XXXX. 
XXXX XXXX ( XXXX XXXX XXXX ) account number XXXX opened on XXXX XXXX XXXX. 
XXXX XXXX account number XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX  XXXX opened on XX/XX/XXXX. 
Equifax, Transunion, and Experian do not care about the victims of identity theft.They have repeated violations of the Fair Credit reporting act FCRA and Metro 2 reporting standards.The credit bureaus has failed to ensure the maximum accuracy of my credit report as required by 15 USC 1681e ( b ) .Failed to properly reinvestigate and modify disputed information under 15 USC 1681i ( s ), and failed to enforce accurate reporting by data furnishers under 151681-2.FCRA 605B to the credit bureaus mean nothing and that's crazy because its a law that was put in place for people like me that's is in this situation. These violations have resulted in persistent inaccuracies in my credit file, including incorrect account details, outdated personal information, and unauthorized inquiries. I request the immediate removal of all disputed items from my credit report due to TransUnions non-compliance with federal law. 

Sincerly, 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 2025-05-06 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: SC

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX  XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding inaccurate information on my credit reports maintained by Equifax, Experian, and TransUnion due to identity theft. My name is XXXX XXXX XXXX, and my personal information, including my Social Security number and addresses ( XXXX XXXX XXXX, XXXX, XXXX  XXXX, and others ), has been compromised, leading to fraudulent accounts and charges. 
The theft was discovered in XX/XX/XXXX, with fraudulent activities dating back to XXXX, including credit cards, phone accounts, and utility services totaling over {$12000.00} in unauthorized charges. Despite my efforts to maintain a responsible credit history, these agencies continue to reflect these inaccuracies, impacting my credit score. I have reported this to the Federal Trade Commission ( FTC Report Number : XXXX ) and the XXXX XXXX XXXX XXXX ( Case # XXXX ), and I have requested the removal of these fraudulent entries. 
I request your assistance in investigating this matter and ensuring that Equifax, Experian, and TransUnion correct my credit reports by removing all disputed items as outlined in my FTC Identity Theft Report. I have been a victim of this crime, and it has caused significant distress, especially given my responsibilities as a truck driver, trainer, and caregiver to my son with a brain injury. 
These are all the accounts thats part of identity theft. 

XXXX XXXX XXXX account number XXXX opened on XX/XX/XXXX. 
XXXX XXXX ( XXXX XXXX XXXX ) account number XXXX opened on XXXX XXXX XXXX. 
XXXX XXXX account number XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX  XXXX opened on XX/XX/XXXX. 
Equifax, Transunion, and Experian do not care about the victims of identity theft.They have repeated violations of the Fair Credit reporting act FCRA and Metro 2 reporting standards.The credit bureaus has failed to ensure the maximum accuracy of my credit report as required by 15 USC 1681e ( b ) .Failed to properly reinvestigate and modify disputed information under 15 USC 1681i ( s ), and failed to enforce accurate reporting by data furnishers under 151681-2.FCRA 605B to the credit bureaus mean nothing and that's crazy because its a law that was put in place for people like me that's is in this situation. These violations have resulted in persistent inaccuracies in my credit file, including incorrect account details, outdated personal information, and unauthorized inquiries. I request the immediate removal of all disputed items from my credit report due to TransUnions non-compliance with federal law. 

Sincerly, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: NJ

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX : {$460.00} Open Date XX/XX/XXXX XXXX CARD Balance : {$0.00} Open Date XX/XX/XXXX XXXX  Balance : {$26000.00} Open Date 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 explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
This was a medical debt but is not classified as such. It was originally owned by Commenity BankXXXX XXXX My original debt was {$3000.00} but with predatory lending practices, they back dated the original amount owed and added 29.8 % interest making it {$10000.00}. I am disputing the type of debt this is as well as the exorbant amount of fees added. I did receive a written acknowledgement from XXXX but they stated they were uncertain what I was disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Outstanding balance with XXXX XXXX XXXX, they hired XXXX XXXX XXXX to collect outstanding balance. They send me over a STIPULATION FOR ENTRY OF JUDGMENT with the courts with a set amount. I have paid the amount in full and have tried reaching out to XXXX and XXXX XXXX XXXX for confirmation that account has been satisfied and nobody will take my call. I have filed a dispute with XXXX XXXX XXXX and sent over documents showing the payments that all equal the amount that was owed. XXXX XX/XX/XXXXis still reporting this on my credit and it is impacting my score. XXXX XX/XX/XXXXnor XXXX XXXX XXXX will provide a Settlement In Full documentation or any documentation that the money that went to XXXX XXXX XXXX went to pay off the outstanding Chase balance.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: The Moore Law Group
State: CO

Complaint narrative:
Outstanding balance with XXXX XXXX XXXX, they hired Moore Law Group to collect outstanding balance. They send me over a STIPULATION FOR ENTRY OF JUDGMENT with the courts with a set amount. I have paid the amount in full and have tried reaching out to XXXX and Moore Law Group for confirmation that account has been satisfied and nobody will take my call. I have filed a dispute with Moore Law Group and sent over documents showing the payments that all equal the amount that was owed. XXXX XXXX  is still reporting this on my credit and it is impacting my score. XXXX XXXX  nor Moore Law Group will provide a Settlement In Full documentation or any documentation that the money that went to Moore Law Group went to pay off the outstanding XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
This letter constitutes a formal dispute regarding one or more entries currently appearing in my credit file. Under the Fair Credit Reporting Act 611 ( a ), Equifax is legally required to conduct a reasonable reinvestigation of any disputed item and correct or delete information that is inaccurate, incomplete, or unverifiable. The information listed is inaccurate and has caused significant harm. Please note that in XX/XX/year>, the CFPB fined Equifax {$15.00} XXXX due to systemic failures in dispute processing, including neglecting supporting documentation and permitting the reappearance of deleted data. ( * See CFPB enforcement action, XX/XX/year> * ) I am requesting : 1. Immediate deletion or correction of the disputed accounts.

2. A full description of the procedures used to verify the disputed information, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Written notice of your findings within the 30-day period allowed by law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: NY

Complaint narrative:
I am writing to issue a final demand regarding multiple unauthorized hard inquiries that continue to appear on my credit report, despite my initial dispute submitted on XX/XX/year>.

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 2025-05-06 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 was a victim of XXXX XXXX. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. 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

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 2025-05-06 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: MS

Complaint narrative:
Please block and delete the unauthorized accounts from my credit file immediately. I have no knowledge of these accounts and did not authorize their creation. Pursuant to USC 1681g, I am formally requesting their removal within 15 days. Supporting documents are enclosed for your review. I also noticed inconsistent and inaccurate account information being reported to each bureau.

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 2025-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION
State: SC

Complaint narrative:
I visited the XXXX XXXX XXXX XXXX XXXXXXXX in XXXX XXXX, XXXX on XX/XX/XXXX. I was seen and released that day. Over the coming months I never received an invoice and my insurance was never billed either. XXXX was finally billed and I started trying to reach the XXXX XXXX office with very little luck to pay the balance. I was sent through a call center and did not get far the first few tries. I was eventually able to speak with a lady and we setup and payment plan for what she said was my only outstanding account with them. Those payments have been being drafted to clear that debt as recently as XX/XX/XXXX. 

SO you would imagine my surprise today when I get a credit alert that I have a collection account that ties back out to XXXX. 

I called them and they have basically only said that I can pay the collection company or not. They have mentioned they would send an itemized statement but would not be willing to accept payment directly from me. 

Again I made every effort to pay my invoice which I was never sent directly. I had to literally call them until it was setup to pay the " only account we have for you ''. It is unfair that they believe it is ok to push this out to collections when I was making efforts on my own to determine what I owed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: MT

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation