vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: 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, 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NV

Complaint narrative:
I have submitted several disputes throughout the course of a year to get the inaccurate and misleading information off of my consumer report. The credit bureaus have been taking LONGER than the timeframe they are aloud to in order to complete the investigations that they need to which is against FCRA Laws. The bureaus continuously undermine me by saying I'm a credit repair company or something about my identity although I provide proof of my State ID and U.S. Passport.

I've taken additional steps by sending in an FTC Report, FTC Affidavit ( Notarized ), the General State of Attorney complaint, BBB complaint, along with proof of my ID 's and address. I've asked the credit bureaus to send proof of investigations by sending me Account Ledgers, the original contracts from the companies, audit trails, and licensing in the state because of the inaccuracies and misleading information on my credit report. The Bureaus HAVE NEVER SENT ME ANY INFORMATION REGARDING PROOF OF INVESTIGATIONS.

Pursuant to FCRA 605B ( 15 U.S.C & 1681c-2 ) EXPERIAN, EQUIFAX, AND TRANSUNION Credit reporting agency , block information appearing on my credit report that's the result of inaccurate, false, and misleading information which consists of credit card account AXXXX 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 XXXXXXXX. I demand that the aforemntioned inaccurate items be removed from each of my consumer reports and that all collection activity related to the items cease pursuant to FCRA and FDCPA laws. 
The credit bureaus have been taking advantage of me and I be pursuing legal action. This has affected me in many ways including being able to find housing, being able to find a good job due to my credit checks from employers, high interest rates, and denied extensions of credit from creditors that I know I am worthy of. I look forward to taking legal action against the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NV

Complaint narrative:
I have submitted several disputes throughout the course of a year to get the inaccurate and misleading information off of my consumer report. The credit bureaus have been taking LONGER than the timeframe they are aloud to in order to complete the investigations that they need to which is against FCRA Laws. The bureaus continuously undermine me by saying I'm a credit repair company or something about my identity although I provide proof of my State ID and U.S. Passport.

I've taken additional steps by sending in an FTC Report, FTC Affidavit ( Notarized ), the General State of Attorney complaint, BBB complaint, along with proof of my ID 's and address. I've asked the credit bureaus to send proof of investigations by sending me Account Ledgers, the original contracts from the companies, audit trails, and licensing in the state because of the inaccuracies and misleading information on my credit report. The Bureaus HAVE NEVER SENT ME ANY INFORMATION REGARDING PROOF OF INVESTIGATIONS.

Pursuant to FCRA 605B ( 15 U.S.C & 1681c-2 ) EXPERIAN, EQUIFAX, AND TRANSUNION Credit reporting agency , block information appearing on my credit report that's the result of inaccurate, false, and misleading information which consists of credit card account AXXXX 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 XXXXXXXX. I demand that the aforemntioned inaccurate items be removed from each of my consumer reports and that all collection activity related to the items cease pursuant to FCRA and FDCPA laws. 
The credit bureaus have been taking advantage of me and I be pursuing legal action. This has affected me in many ways including being able to find housing, being able to find a good job due to my credit checks from employers, high interest rates, and denied extensions of credit from creditors that I know I am worthy of. I look forward to taking legal action against the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a XXXX of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: WI

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had corrected. Due to your lack of response, or a response that I classify as frivolous, Credit Bureau has dishonored FCRA regulations and my request for verification. I need to correct credit bureau 's errors and update my records. Here is the list of accounts : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX FM XXXX XXXX XXXX APT XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX * * * * Balance : {$0.00} XXXX XXXX XXXXXXXX * * * * Balance : {$0.00} XXXX XXXX * * * * Balance : {$430.00} XXXX XXXX XXXXXXXX XXXX XXXX * Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX * * * Balance : {$1200.00} XXXX XXXXXX/XX/year> XXXX XX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Balance : {$0.00} XXXX XXXX XXXXXXXX * * * * Balance : {$0.00} XXXX XXXX XXXX * * * * Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX * * Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX A ) XXXX * * Balance : {$1000.00} XXXX XXXXXXXX * * * * Balance : {$430.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
I contacted Experian to provide me with the purchase agreement or forward Flow Agreement bearing my signature for the debt, and have disputed this XXXX XXXX  debt multiple times, but shortly after conducting sham investigations, they comeback with debt verification with no actual documentation of the debt with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
CORRECTED : On XXXX ; I XXXX XXXX, logged into my bank account to discover a notification from my bank : XXXX that there was an unusual subscription service from Experian Credit Bureau that totaled over $ XXXX per year. I researched my bank account further and noticed a transaction from Experian that occurred on XXXX, in the amount of {$27.00}, that I did not authorize nor was aware of. 

I tried calling Experian customer services on XXXX ; from XXXX XXXX - XXXX XXXX, to try to address this issue with them and to find out how they obtained my payment method information without my consent and without me providing it to them, but their phone system kept taking me in circles asking me my language preference. I chose English, but the system kept asking me if I was willing to choose XXXX, for which I verbally said .No to multiple times. 

I ended up calling my bank, XXXX shortly after unsuccessful attempts to call Experian. I called XXXX XXXX XXXX at XXXX XXXX and spoke to banking specialist XXXX XXXX who assisted me with disputing transaction charges from Experian and reporting Experian activity as fraud and requested a debit card replacement, as a result. 

On XX/XX/2025 ; I signed up for an Experian account to monitor my credit report and to put a freeze on my credit file. These are free services through Experian, for which no payment method was required nor given. I did not share my payment method with Experian, when I signed up for a FREE CREDIT REPORT and submitted to block access to my Experian credit file with security freeze, a free feature on the Experian website. 

How Experian obtained my payment information without my knowledge, awareness or authorization ; then used it to purchase a product I was not aware of, troubles and concerns me greatly. 

I have screenshots of my online activity on the Experian website. I did not sign up for any paid services nor authorized to be signed up for any paid services or subscriptions through Experian. 

Experian does not have my legal permission to illegally obtain my payment information without my knowledge. This has caused me an inconvenience and has mentally damaged my view of Experian. I do not deem Experian a trustworthy credit reporting service of my credit information, as a result of this breach. 

I have reasonable suspicion to believe that my information was compromised by Experian, using improper software, social engineering, or data services that resulted in illegally obtaining my payment information without my knowledge, awareness, or authorization to purchase a product that is already free on Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Between XX/XX/year> and XX/XX/year> approximately {$85000.00} was taken from my checking account via my debit card and online purchasing while I was incarcerated. Santander Bank reimbursed me approximately XXXX of that money. The only money reimbursed to me was reclaimed from Santander. The XXXX that Santander Bank could not reclaim was denied and not considered fraud. The monies that were not reimbursed to me were primarily cash apps sent through my account and cash withdrawals at Santander Bank locations. Again I was incarcerated and unable to do any type of transactions via my bank account. I was told the reason for denial on the XXXX was the person that made all the transactions had permission to use my account which was absolutely 100 % not true according to Santander 's website to add someone to your account I would physically have to bring them to a branch and add them or grant them access to my account or use of my account. When I asked Santander which date and time that this meeting happened they could not provide me with one because it did not happen they still owe me {$64000.00}. How is XXXX fraud and the remaining XXXX not fraud??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: AL

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 explanation
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2025-04-17 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: FL

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