vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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: MD

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 explanation
Consumer complaint received 2025-03-16 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-16 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:
My ex girlfriend opened several accounts in my name, these are not my accounts. I want these removed from my report right away. I was made aware of a lawsuit filed by the CFPB against the credit bureaus alleging that consumer disputes are not being handled correctly. I request my dispute be handled per the lawsuit guidelines, if not, please include me in the lawsuit against the credit bureaus. Please remove these accounts from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated Accounts : 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 2025-03-16 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated Accounts : 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 2025-03-16 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responded within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( XXXX ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate : XXXX bank credit card XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: GA

Complaint narrative:
I am filing this complaint against Equifax Information Services XXXX, Experian, and TransUnion for their continuous failure to comply with federal consumer protection laws. I have submitted multiple dispute letters regarding fraudulent accounts and inquiries appearing on my credit report as a result of identity theft. Despite my repeated attempts to rectify these inaccuracies, Equifax has failed to respond or take appropriate corrective action, violating the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Accounts and Inquiries : XXXX XXXX SERVICES ( Acct # XXXX ) Fraudulent amount : {$520.00} XXXX XXXX BANK XXXX XXXX ( Acct # XXXX ) Fraudulent amount : {$670.00} XXXX BANK ( Acct # XXXX ) Fraudulent amount : {$2200.00} Failure to investigate and remove fraudulent accounts violates the following provisions of the Fair Credit Reporting Act ( XXXX  ) and other relevant federal laws : XXXX XXXX Code XXXX Requires credit bureaus to block fraudulent information due to identity theft. 
XXXX XXXX XXXX XXXX Mandates a reasonable investigation upon a consumer dispute. 
XXXX XXXX XXXX XXXX ( b ) Requires the maintenance of accurate credit report information. 
XXXX XXXX XXXX XXXX ( a ) Holds furnishers responsible for reporting accurate data. 
XXXX XXXX XXXX XXXX Prohibits unlawful communication regarding fraudulent debts. 
XXXX XXXX XXXX XXXX ( a ) Requires proper validation of debt claims. 
XXXX XXXX XXXX XXXX ( f ) Prohibits obtaining or using consumer reports without a permissible purpose. 
XXXX XXXX XXXX XXXX Prohibits obtaining credit information under false pretenses. 
XXXX XXXX XXXX XXXX & XXXX Establish civil liability for willful or negligent noncompliance with the FCRA. 
Additionally, Equifax, Experian, and TransUnion 's continued reporting of charged-off debts without verifying legal liability contradicts IRS Publication 2021, which states that charged-off debts should be treated as income rather than collectible liabilities. If a debt has been charged off and reported to the IRS, creditors must provide an original contract with XXXX wet-ink signatures proving liability, which has not been provided in my case.

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 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
Hi, Ive been a loyal customer since XXXX of Citi bank credit card and recently noticed my account was closed. Additionally, payments I made in XX/XX/XXXX are not showing on my account. Can you please help me understand why this happened and how we can resolve this? 

Thank you, 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 2025-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I requested my due date to be changed over a year ago and completed the form and pay the fee, but my request was never honor. When I ask about this no one knows what happened and I have not been offered any resolution. 

Recently in XXXX I informed Santander XXXX department I will be late with this payment due to my XXXX passing away. I requested more information on when they report late payments and if there was any late fees. I was told the fee can be waived and they was unable to tell me when they report. I thought this was odd because as lenders who report to the credit bureaus, they should know this information. I asked to speak to a XXXX and I was told the same thing. Around XX/XX/XXXX I tried to make a payment on the app and I was in unable to do to an error message. I tried again on XX/XX/XXXX and the same thing happened on the app and the website. In the beginning of XXXX, I called to informed the loan department what was happening and how I was unable to make payment online, and on top of that they sent me a collection letter for the past due balance and late fee of over {$70.00}. I was confused and distraught because I was told I still had time and it haven't been 30 days since the last payment was due ( which is on the XXXX ). The supervisor finally explained my account is considered late after 15 days and she will waive the fee. This information was never told to me when I got the loan and I repeatedly requested for this information as a consumer. Now on XX/XX/XXXX, my account was back up to date but when I tried to make a payment I have another fee of {$400.00} from last month. My account is not late and I already paid my previous balance with the late fees. When I tried to call and figure out what's going on one picks up. I have been a Santander client since XXXX, I will never recommend this bank to anyone due to their blatant misinformation and hidden fees.

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 2025-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Subject : Formal Complaint Regarding Unfair Loan Practices and Vehicle Condition To Whom It XXXX Concern, I am writing to formally lodge a complaint against Credit Acceptance regarding an auto loan that I obtained through your institution. I believe I have been subjected to unfair lending practices, and I am seeking assistance in addressing the matter. The details of my complaint are as follows : I purchased a vehicle through Credit Acceptance, with the understanding that I was entering into a fair and transparent financial arrangement. However, shortly after the purchase, the vehicle began requiring major repairs, leading me to take it to a repair shop on multiple occasions within the first year of ownership. These repairs were substantial, and it quickly became clear that the vehicle was in poor condition from the outset. 

Despite my efforts to maintain and repair the vehicle, I was unable to prevent further issues. Eventually, I was forced to return the car to the dealership from which it was purchased. The dealership then sold the vehicle for {$2000.00}, yet a remaining balance of {$8500.00} was left on my loan, with highest balance of {$11000.00} which I am still being held responsible for. This situation strikes me as grossly unfair, as it appears the car was sold in a condition that did not align with what was represented to me at the time of purchase. 

It is my belief that the vehicle was sold to me in a defective condition, and I am now left with an unjust financial burden. I feel that Credit Acceptance, as the lender in this agreement, has not fulfilled its obligations to protect me from such circumstances. Given the circumstances, I respectfully request that this matter be reviewed, and appropriate steps be taken to address the remaining balance on the loan. 

I am requesting a full investigation into this matter, and I would appreciate your prompt attention to this complaint. Please consider this letter a formal notice of my concerns. I trust that the Consumer Financial Protection Bureau ( XXXX  ) will assist in ensuring that my rights are protected, and that unfair practices do not continue to harm consumers like myself. 

Thank you for your time and consideration. I look forward to your prompt response and a resolution to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX [ Account information 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 2025-03-16 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: AZ

Complaint narrative:
I am a victim of identity theft and data breach ; and the following information has been reported to all three credit reporting agencies. 

The following accounts DO NOT belong to me. 

XXXX XXXX XXXX  XXXX Acct # XXXX Balance {$1400.00} XXXX XXXX XXXX  XXXX Acct # XXXX Balance {$400.00} XXXX XXXX XXXX Acct # XXXX Balance {$750.00} XXXX XXXX XXXX  Acct # XXXX Balance {$1200.00} XXXX XXXX XXXX  Acct # XXXX Balance {$17000.00} XXXX  Acct # XXXX Balance {$700.00} XXXX XXXX  Acct # XXXX Balance {$500.00} This information does not relate to any transactions that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section B of the Fair Credit Report Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any further information from me to remove and block information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: AZ

Complaint narrative:
I am a victim of identity theft and data breach ; and the following information has been reported to all three credit reporting agencies. 

The following accounts DO NOT belong to me. 

XXXX XXXX XXXX  XXXX Acct # XXXX Balance {$1400.00} XXXX XXXX XXXX  XXXX Acct # XXXX Balance {$400.00} XXXX XXXX XXXX Acct # XXXX Balance {$750.00} XXXX XXXX XXXX  Acct # XXXX Balance {$1200.00} XXXX XXXX XXXX  Acct # XXXX Balance {$17000.00} XXXX  Acct # XXXX Balance {$700.00} XXXX XXXX  Acct # XXXX Balance {$500.00} This information does not relate to any transactions that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section B of the Fair Credit Report Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any further information from me to remove and block information from my credit 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 2025-03-16 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: PA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-16 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: PA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: MD

Complaint narrative:
I am formally disputing inaccuracies appearing on my credit report concerning multiple student loan accounts reported by XXXX. According to Section 609 and 611 of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681g, 1681i ) and Section 809 of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am exercising my legal right to demand verificationThese accounts, reported as " Needs Attention '' as of XX/XX/year>, appear to contain incorrect balances, duplicated reporting, and inaccurate statuses. As mandated by law, specifically under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), you must investigate this dispute within 30 days and provide the results promptly.

Please provide validation of these debts by submitting : - Original signed loan agreements or promissory notes ( required by FDCPA, 15 U.S.C. 1692g ) - Comprehensive payment histories detailing all transactions - Itemized statements clearly listing interest charges, fees, and penalties - Evidence proving your legal right and authority to collect these debts Failure to provide adequate validation or verification within 30 days legally obligates the immediate removal of these items from my credit report, per FCRA Section 611 ( a ) ( 5 ) ( A ) ( 15 U.S.C.

1681i ( a ) ( 5 ) ( A ) ). Additionally, continued reporting without proper validation constitutes a violation of the FDCPA and FCRA, potentially subjecting your organization to legal penalties and consumer damages pursuant to Sections 616 and 617 of the FCRA ( 15 U.S.C. 1681n, 1681o ). 
Your prompt and thorough attention to this request is anticipated. Please comply within the legally

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: MD

Complaint narrative:
I am formally disputing inaccuracies appearing on my credit report concerning multiple student loan accounts reported by XXXX. According to Section 609 and 611 of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681g, 1681i ) and Section 809 of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am exercising my legal right to demand verificationThese accounts, reported as " Needs Attention '' as of XX/XX/year>, appear to contain incorrect balances, duplicated reporting, and inaccurate statuses. As mandated by law, specifically under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), you must investigate this dispute within 30 days and provide the results promptly.

Please provide validation of these debts by submitting : - Original signed loan agreements or promissory notes ( required by FDCPA, 15 U.S.C. 1692g ) - Comprehensive payment histories detailing all transactions - Itemized statements clearly listing interest charges, fees, and penalties - Evidence proving your legal right and authority to collect these debts Failure to provide adequate validation or verification within 30 days legally obligates the immediate removal of these items from my credit report, per FCRA Section 611 ( a ) ( 5 ) ( A ) ( 15 U.S.C.

1681i ( a ) ( 5 ) ( A ) ). Additionally, continued reporting without proper validation constitutes a violation of the FDCPA and FCRA, potentially subjecting your organization to legal penalties and consumer damages pursuant to Sections 616 and 617 of the FCRA ( 15 U.S.C. 1681n, 1681o ). 
Your prompt and thorough attention to this request is anticipated. Please comply within the legally

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