vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
I checked my credit profile and came across quite a few inquiries that are not mine.

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 2025-03-19 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-19 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.

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, CHALLENGEDORNOT.

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 2025-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
We Went to XXXX XXXX XXXX because we received a letter in the mail, on XXXX, XX/XX/XXXX, stating they would pay off our ( XXXX XXXX XXXX ) and pick out another vehicle within the price range. We went to XXXX XXXX XXXX on Friday, XX/XX/XXXX, and looked at a XXXX XXXX and the XXXX XXXX Charger. We were not approved for the XXXX XXXX XXXX, but they said the bank said yes to the XXXX. We said great! We'll come back at XXXX pm to sign the paperwork. The people in financing were very confident we had the deal. 

Then they said we would be qualified, and we took the XXXX XXXX on XXXX  the XXXX of XX/XX/XXXX after we signed the paperwork. That XXXX  or XXXX  we were supposed to finish up the paperwork for financing the loan. It took another week to get the dealership financing to sign all of the paperwork. They said it was a done deal on XXXX, XX/XX/XXXX. 

On XXXX  the XXXX, XXXX, XXXX XXXX, from XXXX XXXX XXXX, said it was done... But now they're telling me that they sent the wrong VIN to the bank, and said they financed THE WRONG CAR. I think they lied to get out of the deal. The windshield was cracked, and they replaced it. The two-front tires were in bad shape, and the back XXXX were mismatched. We took the car to XXXX XXXX XXXX, and they said that all of the tires needed to be replaced. 

We put insurance on the XXXX on XXXX, XX/XX/XXXX. We also paid {$450.00} to put tint on the car 's windows. The dealership told us they could finance the car with the {$10000.00} and the remainder of the warranty from the XXXX XXXX which was {$3800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I request the negative reported and charged off reports be removed from my Experian report. I am writing to formally dispute charge-offs account listed on my credit report and to request the removal of all negative items that may be affecting my credit score. Under the Fair Credit Reporting Act ( FCRA ), Section 609, I have the right to dispute any inaccuracies on my credit report, and I believe these entries are unjustly impacting my financial future. Dispute Reasons : I did not receive a 1099 form reflecting this charge-offs, which raises questions about its validity. I am a veteran who served in combat in multiple countries, and I have been affected by a recent data breach that compromised my personal information. In light of these circumstances, I am requesting the removal of charge-off as well as all negative items on my credit report to allow me to have a fresh start. I respectfully urge you to investigate this matter thoroughly and to consider the unique challenges I have faced as a service member. Thank you for your attention to this crucial matter. I look forward to your prompt response, as it will greatly assist me in rebuilding my credit and future financial opportunities. In light of these circumstances, I am requesting the removal of this charge-off as well as all negative items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: AL

Complaint narrative:
I request the negative reported and charged off reports be removed from my Experian report. I am writing to formally dispute charge-offs account listed on my credit report and to request the removal of all negative items that may be affecting my credit score. Under the Fair Credit Reporting Act ( FCRA ), Section 609, I have the right to dispute any inaccuracies on my credit report, and I believe these entries are unjustly impacting my financial future. Dispute Reasons : I did not receive a 1099 form reflecting this charge-offs, which raises questions about its validity. I am a veteran who served in combat in multiple countries, and I have been affected by a recent data breach that compromised my personal information. In light of these circumstances, I am requesting the removal of charge-off as well as all negative items on my credit report to allow me to have a fresh start. I respectfully urge you to investigate this matter thoroughly and to consider the unique challenges I have faced as a service member. Thank you for your attention to this crucial matter. I look forward to your prompt response, as it will greatly assist me in rebuilding my credit and future financial opportunities. In light of these circumstances, I am requesting the removal of this charge-off as well as all negative items.

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 2025-03-19 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 ( XXXX XXXX XXXXXXXX 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 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I've begged them to stop calling me they don't care what time or day they do it. They just keep harassing me after XXXX. 

The 15 U.S.C. code 1692 ( c ) ( cc ) states the following123 : A consumer can cease communication with a debt collector in writing. 
A debt collector must assume a convenient time for communicating with a consumer is after XXXX oclock XXXX  and before XXXX oclock XXXX, local time at the consumers location. 
Without the prior consent of the consumer, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
i am still not able to access my online portal. 

Also, i need all Fruad disputes fromAccount Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to be reversed. 

There are no fraudulent transactions. 

XXXX XXXX XXXX XXXX XXXX  are my authorized vendors. 

Please reverse any and all fraud disputes against the merchants. 

I did not request any of these transactions to be disputed.

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 2025-03-19 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:
Equifax and Transunion consistently report the incorrect percentage of credit card usage. My credit card usage is not at 20 % usage which is being reported by Equifax. Equifax also dropped my score due to the incorrect information. I already have a dispute with both companies for doing this to me last month ( XXXX ) as well. I also have pics of my credit usage and them reporting the wrong information. The pics are both from XX/XX/year>. Photos are for Equifax only

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX, reported to credit bureaus that my mortgage was 30 days late in XXXX of XXXX. This is inaccurate and fictitious reporting. I have a letter from XXXX dated XX/XX/year>. My loan was PAID IN FULL on XX/XX/year> after we sold our home. I want the negative remarks removed from my credit report as they are false, inaccurate, and pose harm to my ability to borrow money and obtain financial success for my future.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have unauthorized information as an inquiries and credit cards reporting on my credit report. I informed a fraud representative at Experian, and he ( XXXX XXXX told me by law & company policy that they had to keep it on my credit report. My XXXX no. 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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$12000.00}, XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$3900.00}, US Debt of Ed/XXXX Account # XXXX XXXX date opened XX/XX/XXXX XXXX {$3600.00}, US Debt of Ed/XXXX Account # : **** date opened XX/XX/XXXX XXXX {$2600.00} , US Debt of Ed/XXXX  Account # : **** date opened XX/XX/XXXX bal./ {$2000.00}, US Debt of EdXXXX Account # XXXX XXXX  date opened XX/XX/XXXX bal. {$610.00}, US Debt of EdXXXX Account # : XXXX XXXX XXXX XX/XX/XXXX XXXX {$470.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$970.00}, XXXXXXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$860.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$840.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$630.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$560.00} XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, Onemain Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-03-19 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: MS

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$12000.00}, XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$3900.00}, US Debt of Ed/XXXX Account # XXXX XXXX date opened XX/XX/XXXX XXXX {$3600.00}, US Debt of Ed/XXXX Account # : **** date opened XX/XX/XXXX XXXX {$2600.00} , US Debt of Ed/XXXX  Account # : **** date opened XX/XX/XXXX bal./ {$2000.00}, US Debt of EdXXXX Account # XXXX XXXX  date opened XX/XX/XXXX bal. {$610.00}, US Debt of EdXXXX Account # : XXXX XXXX XXXX XX/XX/XXXX XXXX {$470.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$970.00}, XXXXXXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$860.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$840.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$630.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$560.00} XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, Onemain Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: NJ

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-20 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:
Upon reviewing my Consumer Reports, I discovered errors of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am requesting a thorough investigation into these discrepancies and ask you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as paid on-time, as I have consistently upheld my payment obligations without any delay. I have tried to resolve this issue with the creditor and they have failed to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX  XXXX **** XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurmation, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 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