vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My information has become compromised because the company has been breached

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 2025-03-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
My complaint is about Bank Santander. On XX/XX/XXXX, after the sale of my house, my credit line debt was fully canceled. There was a refund whose amount I don't remember, in addition to a one-month payment that was made in error by XXXX XXXXXXXX for the amount of {$1400.00}. I have called first one was XX/XX/XXXX, second one XX/XX/XXXX, the last one on XX/XX/XXXX. I spoke with a supervisor named XXXX, who told me that the check would be sent no later than XX/XX/XXXX, but so far I have not received anything. I would appreciate your valuable help.

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 2025-03-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint against Experian for failing to remove 19 unauthorized hard inquiries from my credit report. I have contacted the furnishers directly, and they were unable to verify that I gave authorization for these inquiries. This contradicts Experians claim that the inquiries were valid.

Additionally, none of my open or verified accounts were initiated by these inquiriesthey were pulled from other sources, which I confirmed in a separate dispute. Therefore, these 19 inquiries serve no valid purpose and were not initiated by me. 

Under FCRA 15 U.S.C. 1681b, a consumer reporting agency must only report inquiries when there is a permissible purpose and documented consumer consent. Experian is now reporting inaccurate and unverifiable information, which is a direct violation of FCRA 1681i ( a ) ( 5 ) ( A ).

I am requesting the immediate deletion of all 19 inquiries, as I should have zero inquiries on my report.

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 2025-03-22 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: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I am a victim of identity theft involving fraudulent debt collection ( Wakefield & Assoc ). Multiple debt collectors have contacted me about an unpaid medical debt from XXXX XXXX XXXX, but this facility does not exist. The debt collectors do not answer calls, only use automated systems, and only take credit card info. Research shows many others have reported the same scamfake medical debts appearing on their credit reports from this company. This fraudulent debt has negatively impacted my credit, and I do not owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-22 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:
XXXX XXXX - Accounts opened up that are not mine- Utilities- XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1300.00} XXXX Collection XXXX XXXX & XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  - {$120.00} XXXX XXXX XXXX - collection reported XXXX XXXX XXXX XXXX {$510.00} Incorrect address XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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 demand the immediate removal of inaccurate information from my credit report, as it violates multiple provisions of the FCRA. Under Section 611 ( a ) ( 5 ) ( B ), if the disputed information is found to be inaccurate or unverifiable, it must be permanently removed. I expect nothing less than full compliance.

Under Section 609 ( e ), if identity theft is involved, I am entitled to supporting documentation from both the credit agencies and the furnishers. I expect you to provide this documentation immediately.

Section 623 ( a ) ( 2 ) clearly states that furnishers must promptly correct any inaccurate information. This hasnt happened, and I demand immediate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: PA

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 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
So my phone got stolen while I was in Illinois someone got into my phone and sent out XXXX on cashapp I tried to report it cause I didnt make the payment I waited for days just for them to say they couldnt dispute my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: Experian Information Solutions Inc.
State: PA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: KS

Complaint narrative:
I took the 2013 XXXX XXXX to their mechanic. They told me that the ac compressor had to be connected and not locked up for the engine to run. Which should have been under the warranty since it's required for the engine to run. They just flat told me it's not covered through their warranty service. It's bad enough that it had multiple problems the first 30days I had it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I got a loan and didn't realize the APR percent was at an illegal limit according to Florida Law XXXX  XXXX sec 031. This company is charging 31.32 % interest rate for {$2000.00} loan. The maximum permissible interest rates in Florida are 18 % per annum simple interest for loans up to {$500000.00}, and 25 % per annum simple interest for loans of {$500000.00} or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: GA

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. 

XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX12 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 2025-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: DriveTime
State: FL

Complaint narrative:
I purchased a vehicle on XX/XX/year> @ XXXXpm. I put down {$1000.00} cash and secured insurance for full coverage. The vehicle is a XXXX XXXX had XXXX miles and I was provided a car fax stating the vehicle was a CLEAN TITLE and car without issues. My vehicle has since broken down on XX/XX/year> and has been to several matching shops that can not fix the issue of the shaking and failure to start due to stalling. I have spent hundreds in XXXX fees getting back and forth to my 2 jobs will stop being liable for the car note and insurance! XXXX XXXX initially failed to cover towing or the 1st two diagnostic fees at the car repair shops leaving me out of over {$300.00}! My car now remains un drivable and the most recent mechanic states that the car was in an bad accident and has been reconstructed once they looked under the hood! XXXX time failed to disclose this information to me which is illegal practices! This vehicle is damaged and does not have a clean carfax as advertised! They need to buy back their vehicle or replace my vehicle with an equal or similar vehicle that works properly! im requesting refunds on my XXXX cost, Out of pocket expenses for diagnostics as well! im about to lose my job without a reliable car and XXXX is over {$80.00} per day just to get to and from my job. Im very disappointed and Ive been scammed! I tried contacted Drive Time and received no assistance to resolve my issues. I demand a resolution immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On or about XX/XX/XXXX, a fraudulent XXXX XXXX XXXX account was opened in my name due to identity theft. I first discovered this account on my credit reports and promptly disputed it with both TransUnion and Equifax, providing extensive documentation to prove it was fraudulent, including a police report, an FTC Identity Theft Affidavit, and proof of my identity and residence. After multiple disputes, the account was initially removed from my credit reports, which I confirmed at the time.

However, the same fraudulent account has since reappeared on my credit reports maintained by both TransUnion and Equifax. I have now disputed this item seven times, with my most recent disputes filed on XX/XX/XXXX. Each time, I submitted the same supporting documentation proving the account was opened fraudulently. Despite this, both credit bureaus have refused to permanently remove the account, claiming it has been verified, though they have not provided clear details on how they investigated or why they continue to list it. 
For example, in my XX/XX/XXXX, dispute letters, I requested a detailed reinvestigation, full disclosure of their investigation processes, and immediate removal of the account under the Fair Credit Reporting Act ( FCRA ). I cited their obligations under FCRA Section 611 ( for TransUnion ) and Section 605B ( for Equifax ) to remove unverifiable or fraudulent information, but neither bureau has complied fully. Instead, the account remains, negatively impacting my credit score and financial opportunities. 
I have taken consistent action since discovering this issue, filing disputes repeatedly over the past several years and providing all required evidence. The credit bureaus failure to resolve this matter, despite the account being previously deleted and my clear evidence of identity theft, suggests a significant breakdown in their dispute processes. I am seeking a permanent removal of this fraudulent account and a correction of my credit reports. 
Key dates : Account opened fraudulently : XX/XX/XXXX Most recent disputes filed : XX/XX/XXXX Multiple prior disputes : Ongoing since discovery, with temporary removal achieved previously

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) -- ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked inaccurate - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of 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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Muskegon Car Credit, Inc.
State: MI

Complaint narrative:
Brought a car from XXXX XXXX in I think XXXX then I was in a accident and the insurance company totaled the car. Well I guess I owed orbit leasing a deductible as well.XXXX XXXX  had called me once I don't remember if they sent anything in the mail. I know I owe it but I had no idea they were putting on my credit as a missed car payment until I tried to get a mortgage I then contacted them and they said they can't help how it's reported.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
Southwest Credit Systems has violated my rights under the FDCPA. XXXX XXXX an emailed letter was sent to delete an account however it was reinserted on XXXX XXXX with an Increase of the amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequium Asset Solutions, LLC
State: LA

Complaint narrative:
Unknown vendor/transaction has reported a delinquent payment of {$57.00}. 
We know of no such transaction. It is reported as an unpaid cellular account with XXXX. We have no such account and never had. Our cellular is with another company. 

SEQUIUM ASSET SOLUTIONS, L Original Creditor NameXXXX XXXX Date AssignedDec XXXX, XXXX Original Amount Owed {$57.00} Amount {$57.00} Status DateMar XXXX, XXXX StatusUNPAID Account Designator CodeINDIVIDUAL_ACCOUNT Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor ClassificationXXXX Last Payment Date Date of First DelinquencyFeb XXXX, XXXX SEQUIUM ASSET SOLUTIONS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
Not only are there unauthorized payments that are being taken out when I contact support Im unable to get a clear answer or a refund!!! I have to constantly lock my card because I feel like my money will be taken or I have to transfer it which is another fee!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA 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. 

Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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