vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: SC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-25 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: FL

Complaint narrative:
MY IDENTITY WAS STOLEN INFORMATION WAS USED WITHOUT MY CONSENT I DID NOT AUTHORIZE IT.

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 2025-02-25 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: FL

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The listed inquiries were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information and XXXX a corrected credit profile to all creditors who have received a copy within the last 6 months or the last XXXX years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation.

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 2025-02-25 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$4300.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$710.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
Dear Affirm Disputes Department, I am formally disputing the late payment entries being reported by Affirm on my credit report. These reported late payments appear to be inaccurate, unverifiable, or improperly reported, in violation of federal law. I request an immediate investigation and correction of these derogatory marks in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
Accounts in Dispute * Loan ID XXXX ( reported as 90 days late ) * Loan ID XXXX ( reported as 30 days delinquent ) Legal Basis for Dispute 1. Violation of 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act ( FCRA ) : * The FCRA mandates that all information reported to consumer reporting agencies be accurate, complete, and verifiable. I demand documented proof that these late payments were correctly reported. If Affirm can not provide definitive proof of accuracy, these negative marks must be deleted.

2. Violation of 15 U.S.C. 6801 XXXX XXXX ( XXXX ) : * The GLBA requires financial institutions to ensure the security, confidentiality, and accuracy of consumer financial data. If Affirm reported inaccurate or unverifiable late payments, they have failed their legal duty. 
3. Violation of 15 U.S.C. 1692c ( c ) Fair Debt Collection Practices Act ( FDCPA ) : * Under this law, consumers have the right to demand validation of any alleged debt-related reporting. I demand Affirm provide : * A full payment ledger with a breakdown of every payment applied. 
* A signed contract proving I agreed to the reported terms. 
* Proof that proper notice was given before any derogatory reporting. 
4. Violation of 15 U.S.C. 6802 XXXX XXXX ( XXXX ) : * The GLBA also requires proper disclosure of how consumer data is used. If there was any failure in notification or data security leading to inaccurate reporting, these late payments must be deleted. 
Request for XXXX XXXX Affirm must fully validate and provide documented proof of these late payments within 30 days. If Affirm can not provide clear, verifiable documentation proving the accuracy of these reports, I request the immediate removal of these late payment entries from my credit report across all bureaus ( XXXX, XXXX, and XXXX ). 
Additionally, I request written confirmation of the investigation results and any corrections made. 
Failure to comply with this request XXXX result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal action for non-compliance with federal law. 
I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
Subject : Dispute of Unauthorized Collection Account on XXXX Credit Report Dear XXXX XXXX XXXX to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX, L Account Number : XXXX Amount : {$890.00} Date of Account : XX/XX/year> I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
synchrony bank has the care credit which offered 0 % interest rate couple year ago, all of sudden they charged XXXX {$3000.00} for the interest charge, it was not clear on their statement nor at the time applying for the credit card. They misled customer to apply their credit card, and adverting for free interest rate, but they are trap people for the der interest charge after period of time that people not aware of this deadline and they charge a huge amount of interest without any notice, we also try to negotiate with them through phone call, but they said, they understood the situation but not to resolve it.

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 2025-02-25 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-02-25 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: FL

Complaint narrative:
It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to remove the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my XXXX XXXX. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX  XXXX Balance {$18000.00} XXXX XXXX XXXX Balance {$920.00} XXXX XXXXXXXX Balance {$290.00} XXXX  XXXX XXXX Balance {$360.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$980.00} XXXX XXXX Balance {$200.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6700.00} 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 XXXXXX/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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my XXXX XXXX. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX  XXXX Balance {$18000.00} XXXX XXXX XXXX Balance {$920.00} XXXX XXXXXXXX Balance {$290.00} XXXX  XXXX XXXX Balance {$360.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$980.00} XXXX XXXX Balance {$200.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6700.00} 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: NM

Complaint narrative:
Unable to follow regulations time and time again be advised all debts are obligations of the United States and not me and I need to see some evidence of concent to use and trade and profit of my Trademarked name do you have a contract with me XXXX opting out permanently and any future use of my private personal information is a {>= $1,000,000} per incident fine is any data is furnished or sold or anything you do not have concent and will aggressively pursue remedy my fees are set and any credit denial that is attributed to data you furnished is {>= $1,000,000} fine per incident period if you continue to use my data you agree to my terms and fines and will pay without question as I XXXX or simply leave my data and trademark out of your system and all XXXX or any derogatory incorrect info is also {>= $1,000,000} fine per incident without cap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
I have identified several accounts that do not belong to me and have been incorrectly attributed to my history. These accounts are unfairly affecting my XXXX XXXX and my ability to obtain credit on fair terms. 
Pursuant to the FCRA, 15 U.S.C. 1681 ( o ), I formally request that you conduct a thorough investigation of the accounts in question and verify the accuracy of the reported information. If you are unable to verify the accuracy of the information within 30 days, as required by law, I demand the immediate removal of these negative items from my credit report. 
Since these accounts do not belong to me, the information reflected on my report is not only incorrect but also violates my right to fair and accurate credit. As a consumer, I have the right to dispute any incorrect or fraudulent information on my credit report, and these credit bureaus are legally obligated to ensure the accuracy of the information reported. 
Listed below are accounts that appear on my report that I do not recognize as mine : EXPERIAN : Account name : Date XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX Inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX NA Inquired on XX/XX/XXXX CAP XXXX NA Inquired on XX/XX/XXXX XXXX : Account name XXXX Date XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX BANK XXXX XXXX XXXX XX/XX/XXXX XXXX : Account name XXXX Date XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX HEADQUARTER XX/XX/XXXX Attached are the credit reports

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I enrolled in the XXXX plan by the provided deadline and consolidated my loans the same day. Ive had to call monthly asking whats going on as they continue to place me under a hardship forbearance I didnt ask for. Im supposed to be under general forbearance. Since just XXXX of 2025 they added over XXXX in interest. They said they didnt have me under a XXXX plan. I again send them my completed applications. My loans went from XXXX to over XXXX in a year. I plan to enroll in a different IDR plan but not until this is fixed. I should not have to pay this interest under XXXX plan forbearance. They are threatening me that in XXXX a payment over over XXXX a month is due. I have seen so many people posting on XXXX that Aidevantage has done this to them. This is criminal! Please help! Editing to add that my account shows no capitol interest but a screen shot of the account history shows XXXX in interest has been added to my account.

Company response to consumer: Closed with explanation