vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: GA

Complaint narrative:
This is my complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted. 
Please delete the following 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted. 
Please delete the following 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 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 2025-03-07 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: NJ

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: MD

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 2025-03-07 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: FL

Complaint narrative:
I am a victim of identity theft, and the following accounts were fraudulently opened in my name without my knowledge or consent : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) I did not authorize these accounts, nor have I ever conducted business with these companies. Despite disputing these accounts with the credit bureaus, they remain on my credit report, negatively impacting my credit profile. I have provided an FTC Identity Theft Report and a government-issued ID as proof of the 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 non-monetary relief
Consumer complaint received 2025-03-07 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: AR

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries listed on my credit report. These inquiries were made without my consent and may adversely affect my credit score. The details of the disputed inquiries are as follows : XXXX. XXXX XXXX XXXX ( XXXX ) Date : XX/XX/XXXX XXXX. XXXX ( XXXX ) XXXX : XX/XX/XXXX XXXX. XXXX / XXXX XXXX ( XXXX ) Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  ( XXXX ) Date : XX/XX/XXXX XXXX. XXXX XXXX  : XXXX XXXX ( XXXX ) Date : XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ) Date : XX/XX/XXXX XXXX. XXXX ( XXXX ) XXXX : XX/XX/XXXX Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumers are protected against unauthorized access to their credit information. Specifically : 15 U.S.C. 1681b ( c ) : Prohibits users of consumer reports from obtaining such reports without the consumers consent for employment purposes. 
15 U.S.C. 1681e ( a ) : Requires that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: AR

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries listed on my credit report. These inquiries were made without my consent and may adversely affect my credit score. The details of the disputed inquiries are as follows : XXXX. XXXX XXXX XXXX ( XXXX ) Date : XX/XX/XXXX XXXX. XXXX ( XXXX ) XXXX : XX/XX/XXXX XXXX. XXXX / XXXX XXXX ( XXXX ) Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  ( XXXX ) Date : XX/XX/XXXX XXXX. XXXX XXXX  : XXXX XXXX ( XXXX ) Date : XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ) Date : XX/XX/XXXX XXXX. XXXX ( XXXX ) XXXX : XX/XX/XXXX Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumers are protected against unauthorized access to their credit information. Specifically : 15 U.S.C. 1681b ( c ) : Prohibits users of consumer reports from obtaining such reports without the consumers consent for employment purposes. 
15 U.S.C. 1681e ( a ) : Requires that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2025-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: IA

Complaint narrative:
I was mislead by the school and dropped from th class due to my instructor not doing his due diligence and responsibilities. I then was not allowed to continue schooling due to their mistake and was stuck with a loan payment even though i passed all of my classes and requirements for school.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
After reviewing my credit report numerous times and consulting a financial advisor I've discovered 2 Credit Cards reporting that I've never opened. The account XXXX XXXX opened on XX/XX/XXXX reporting for {$11000.00}. I discovered this in XX/XX/XXXX. The other account a XXXX XXXX opened on XX/XX/XXXX. I discovered this account on XX/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 non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My mom received a check from a government entity, we deposited it in my chase account because have done so multiple times before with no issues. It took them a week to freeze my account and tell me that they needed verification for the check. i was told over the phone i could go to the branch we originally went to and show them my moms id an d a second form of identification. When we arrived, we were informed that they didn't need GOVERNEMTN ISSUED FORMS OF IDENTIFICATION and only needed a phone number registered to her name. Of course we gave them her phone number that she has had for the past 3 YEARS. Whatever database they're using, did not have that number registered to her name so they could not verify her identity. Despite us being AT A BRANCH with her ID and SSN. We were instructed to call boost and have them register the number to her name, of course we did that but they have no clue what we are talking about so basically boost can not do anything about that. So i tried calling chase again and seeing if they have any other form of identification verification we can do. Somehow a bank only has ONE way to verify someone's identity. and their excuse that i was given was, well we can't know if the person on the line is actually your mom. WHICH IS WHY WE WENT TO A BRANCH IN PERSON. They're holding our rent money hostage and telling me i have to cancel the check, which could take days weeks or even months. That was money given to use to help our rental situation and chase is making it worse. They did not need verification for the XXXX check we deposited in her name, but they do now for XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: AL

Complaint narrative:
I am disputing a case of fraud on my credit report. Someone used my information to gain accounts that don't belong to me. I had been XXXX for a long time, and my information was tampered with at that moment years ago, and my data appeared in the Equifax breach, which led to me having more identity theft trouble.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: NJ

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am disputing the charge-off status on my account, as I believe the information is incorrect. Please investigate and verify the accuracy of this account.

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 2025-03-07 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: NJ

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX # XXXX has violated my rights. 
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 ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it. 
According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: WA

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report at the earliest opportunity. I did not initiate these accounts and have no knowledge of their origin. Under USC 1681g, I formally request their removal within 15 days. Relevant supporting documents are attached for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
The reported balance and collection status on this account are inaccurate. Per a court ruling, I complied with the terms set by the judge regarding my tenancy at XXXX at XXXX. As part of that agreement, I was required to vacate the premises by a specific date, and upon compliance, I was not to have an eviction on my record, nor would I owe a balance to the landlord or collection agency. Despite fulfilling my obligations, Genesis Credit Management is inaccurately reporting this account, which is misleading and negatively impacting my credit. 

This account is being inaccurately reported as a collection, which violates the Fair Credit Reporting Act ( FCRA ). The account stems from an unlawful detainer case ( XXXX XXXX. XXXX ) filed by XXXX XXXX XXXX in the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/year>, a stipulated judgment was reached, and the case was closed. Per the terms of the agreement, I complied fully, vacated the premises as required, and no further financial obligations were to be pursued. Despite my compliance, Genesis Credit Management has erroneously reported this account as an outstanding balance in collections. 

Additionally, the judgment expiration date is XXXXXXXX but there was no court-ordered obligation for a balance to be collected beyond what was settled in the stipulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
On XXXX XXXX went to new jersey to pick up some people 's going to XXXXXXXX XXXX vermont was stopped by us border patrols... where they illegaly seized my car.i payed for 3 months after see if I get the car by then..bank repoed that vehicle..I tryd to redeem this vehicle back from santander bank..they refused and want full payment for this vehicle they have in possession..and still sending me a bill of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NJ

Complaint narrative:
In accordance with the credit reporting act these creditors have violated my rights these code stands for me having privacy, also stating a consumer reporting agency can not furnish an account with out my written instructions. Also a creditor may not treat a payment on a credit card under an open consumer and credit plan as late for any purpose. Im disputing the XXXX of my profile Payments 15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 ( Billing Error Resolution ) Delete Collections 15 U.S. Code 1692c 15 U.S. Code 1692g 15 U.S. Code 1681 e ( b ) Delete medical bills 15 U.S. Code 1692g 15 U.S. Code 1681b ( a ) ( 2 ) Delete Charge Off 15 U.S. Code 1635 15 U.S. Code 1692g Delete Car Repos 15 U.S. Code 1681b ( a ) ( 2 ) Delete EvictionsXXXX 15 U.S. Code 1637 ( 2 ) 9A ) 15 U.S. Code 1681 15 U.S. Code 1681s-2 ( ar 15 U.S. Code 1681e ( b ; Delete Child Support 15 U.S. Code 1681b 15 U.S. Code 1681s-1

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 2025-03-07 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: SC

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 XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I received a refund check from XXXX for canceling my Homeowners insurance. I deposited into my Chase account and I was informed by Chase it will be on hold for 11 days. This has caused undo stress and failure to pay bills ontime. The check was for {$1900.00}. I'm still waiting, my mortgage check was returned, this will cause me to be late. I'll be unable to refinance as planned and my credit will be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: CA

Complaint narrative:
Atter discovering negative and unauthorized information on my credit report -Accounts Listed Below-, I suspected identity theft and immediately contacted Experian to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equifax breach and l am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
- INCORRECT ACCOUNTS LISTED- 1.Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief