vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: AZ

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

I looked at my Experian, XXXX XXXX XXXX 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 inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, 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 explanation
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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:
Dear SirMadam, I am writing to formally notify you that my personal information has been stolen and used to open fraudulent accounts under my name. After reviewing my credit report, I discovered the following three unauthorized accounts : Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX .... Recent Balance : {$25000.00} as of XXXX Date Opened : XXXX Status : Account charged off. {$25000.00} written off. {$25000.00} past due as of XX/XX/year>. Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX .... 
Recent Balance : {$3800.00} as of XXXX Date Opened : XXXX Status : Account charged off. {$3800.00} written off. {$3800.00} past due as of XX/XX/year>. Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Recent Balance : {$270.00} as of XXXX Date Opened : XXXX Status : Collection account. {$270.00} past due as of XX/XX/year>. These accounts were opened without my consent or authorization, and I believe my identity has been compromised. I request that you investigate

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 2025-04-14 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: EQUIFAX, INC.
State: VA

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
After chase. bank close my account they sent me my balances from each account which totaled {$12.00} in the form of a check. However check number XXXX and event XXXX XXXX, could not be cash by their own bank. With that being said ; I wonder if this is a fraudulent check because I never heard of a bank that couldn't cash their own check. Therefore, I require once last investigation into the chase scheme of things before closing this matter out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: TN

Complaint narrative:
I submitted lawful affidavits to this company demanding the removal of all unauthorized information, a permanent freeze on my account and data, and a full revocation of any presumed consent to collect, store, or report my personal information. 

I am the Secured Party Creditor over the private estate associated with this account. This company has no verified contract, no valid consent, and no lawful authority to access or use my data under 15 U.S.C. 1681b, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), and applicable trust law.

I have demanded proof of authority or contract, which has not been provided. I am now escalating to the CFPB for enforcement and resolution. Affidavits documenting my demands are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: KS

Complaint narrative:
My identity was compromised in XXXX of XXXX and I have a bunch of credit enquiries on my credit that are NOT MINE. 

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 XXXXXX/XX/XXXX All of these NEED to be REMOVED! Along with that a family member had opened XXXX car loans in my credit without my permission. These accounts were paid in full adn closed but are still FRAUDULENTLY being reported to my credit! 


XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - Status Paid, Closed. 


XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

These XXXX Paid and Closed loans ARE NOT MINE. The lenders do not have any documents with my valid signature!

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 2025-04-14 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: EQUIFAX, INC.
State: KS

Complaint narrative:
My identity was compromised in XXXX of XXXX and I have a bunch of credit enquiries on my credit that are NOT MINE. 

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 XXXXXX/XX/XXXX All of these NEED to be REMOVED! Along with that a family member had opened XXXX car loans in my credit without my permission. These accounts were paid in full adn closed but are still FRAUDULENTLY being reported to my credit! 


XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - Status Paid, Closed. 


XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

These XXXX Paid and Closed loans ARE NOT MINE. The lenders do not have any documents with my valid signature!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: IL

Complaint narrative:
under the Fair Credit Reporting Act ( FCRA ), permissible purposes for obtaining consumer reports include Credit transactions, employment, insurance underwriting, rental housing, and in some cases government benefits. other specific instances include court orders, written instructions from the consumer, and legitimate business transactions initiated by the consumer. the accounts listed below " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX either account listed is within the permissible purposes category, but they are being reported and effecting my credit worthiness is a violation of my rights as a consumer also a violation to the FCRA. Transunion is in violation reporting this information to my credit report without my permission FCRA Section 605B It is illegal to report anything on my credit report without my permission. I did not give you'll consent, and I was NOT notified within 5 days of reporting it to my profile.

according to the 15 USC 1692 ( c ) part of the Fair Debt collection practices Act ( FDCPA ) You have violated my rights by in lawful communication as well please remove this from my credit profile immediately.

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 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have sent letters sent by certified mail on XX/XX/year> to the XXXX XXXX agency about the accounts reporting on my credit profile. I have an electronic receipt that shows they received the letter on XX/XX/year>. By law they have XXXX days to investigate and update my account. I also requested in the letter for the agency to provide how these accounts were verified and the procedure of how this was conducted. The agency re -investigated each account and marked it verified but has not provided any documentations or their Method of Verification pertaining to these accounts. Based on 15 U.S.C 1681, which is part of the Fair Credit Reporting Act ( FCRA ), the agencies are not lawfully reporting accurate information on my credit report and must provide verified documentation in the next 15 days, if not must be deleted immediately from my credit report. The accounts are XXXX XXXX bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-14 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: OneMain Finance Corporation
State: NY

Complaint narrative:
XX/XX/2024. 

Onemain input I. My credit report as hard inquiry The link from a marketer that I got online was not pointed to oe main and it was supposed just a soft inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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 have not supplied proof under the doctrine of estoppel by silence, 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 2025-04-14 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:
I have not supplied proof under the doctrine of estoppel by silence, 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 explanation
Consumer complaint received 2025-04-14 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: MI

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-04-14 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: MA

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity, Proof of Address, and SSN Card.

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 2025-04-14 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
On or around XXXX XXXX around XXXX am, I called the Customer Service XXXX XXXX SANTANDER XXXX USA at XXXX and I was able to speak to XXXX on the recorded line who processed the due date change from XX/XX/XXXX to XX/XX/XXXX. I was advised to wait XXXX hours for the change to be reflected on the website. I called again on XX/XX/XXXX and spoke to XXXX ( XXXX ID # XXXX ) who advised me to wait a couple more hours for the change to be reflected on the website. On the website, it still stated that the account is past due and I had to make a partial payment to keep the account current so I submitted a partial ACH payment to keep the account current. However, on Saturday, XXXX XXXX, the due date change request that was supposed to be reflected on the website did not occur and the website still stated that the account is past due so I contacted the SANTANDER XXXX USA Customer Service Line and I was able to speak to Customer Service rep XXXX ( Employee ID # XXXX ) who advised me that he was not able to process the change since the Department for processing due date change requests was closed and I had to call back on Monday to get the issue resolved. I called again on Monday, XXXX XXXX, and spoke to XXXX XXXX ( Employee ID # XXXX ) who transferred me over to rep XXXX ( Employee ID # XXXX ) who stated that the request for XX/XX/XXXX due date change ( which I did not make ) was denied and he would process a due date change to XX/XX/XXXX which is also misleading since I was initially informed that the due date change request was for XX/XX/XXXX. He even stated at the end of the call to wait XXXX business days for the change to be reflected on the website as opposed to the XXXX hours I was informed by the other reps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: Absolute Resolutions Corp.
State: CA

Complaint narrative:
XXXX*To Whom It May Concern, ** I already sent a complaint to the BBB and now I am writing to the CFPB to formally dispute the validity of the debt referenced Absolute Resolutions Investments communication response to my original request to cease and desist collections on this account ( XXXX ) and delete my personal and private information Pursuant CCPA. I do not consent on them having my information, I was never given an opt out form from original creditor and was never contacted by Absolute Resolutions Investments never sent a written notice containing : XXXX. The amount of the debt. 
XXXX. The name of the creditor to whom the debt is owed. 
XXXX. A copy of any judgment against me, if applicable. 
XXXX. The name and address of the original creditor, if different from the current creditor. 
Pursuant to 15 U.S. Code 1692g, I requested verification of the debt from Absolute Resolutions Investments, including the following and they never sent proper proof all they sent were the letters attached. 

According to the law they must stop reporting to all XXXX major credit bureaus until they can provide the original contract and not screenshots of and old account. We do not have a legally bonded contract to conduct business with XXXX another! 

Please find attached the response from Absolute Resolutions Investments and the XXXX  which they never provided a proper verification according to 15 U.S. Code 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: NE

Complaint narrative:
BMO bank closed my account without warning & didn't find out when I went to make a small purchase at a grocery store. Have to use another card instead. Came home & looked at my XXXX account & it looked normal with available credit & said payments were up to date. The customer service representative said I would be receiving a letter in the mail in 10 days & couldn't help me. I can't remember the actual date I called but it was in the last XXXX  days. I received the letter today they identified my relationship that may not fit their requirements. Stating unable to reconsider this decision. They did this to me a few yrs ago but turned around & sent me an enticement to obtain their credit card again. I have always been a great customer paying more than the minimum payment. When I got off the phone with the XXXX customer & got on my computer to figure out what to do with my account all the information was wiped out that same day just showing my just my credit balance. The letter I received today XX/XX/2025 which I had been waiting for said they have the right to close my account for any reason but didn't tell me the reason just my undesirable relationship. XXXX  months ago I went into their branch to make a first small cash advance & was denied it saying XXXX had them stop my account based on fraud but admitted it was a mistake & gave me the advance.

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