vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-23 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-23 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: MD

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-02-23 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: CA

Complaint narrative:
I am submitting this follow-up complaint regarding Experians failure to provide any substantiating evidence verifying the accuracy of the disputed late payments on my credit report for XXXX XXXX account XXXX ..... 

Additionally, Experian has not provided any updates within the required XXXX window, as mandated under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

Violations of Federal Law : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Proper Reinvestigation Within 30 Days Under this statute, a consumer reporting agency must investigate disputed information and provide a timely update. Experian has not provided any evidence supporting the accuracy of the reported late payments nor issued an update to my dispute within the required timeframe. This non-compliance warrants the removal of the disputed information. 

Since Experian has failed to provide documentation verifying the accuracy of the reported late payments or update my dispute within the legal timeframe, I am requesting immediate removal of these entries under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), which requires the deletion of disputed information if the accuracy can not be verified. 

I respectfully ask that the CFPB enforce Experians compliance with the Fair Credit Reporting Act ( FCRA ) and require them to either : Provide clear and documented proof that the reported late payments are accurate, OR Immediately remove the disputed late payments from my credit report, as mandated by federal law. 

I appreciate your prompt attention to this matter and look forward to a resolution in accordance with consumer protection laws.

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 2025-02-23 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: MS

Complaint narrative:
I have made several dispute to Experian, Equifax and Transunion and requested that they send me information on how my account was investigated. My identify has been stolen a police report was sent to the three bureaus and they have not sent me any information was investigated. I have so inaccuracies on my report. I never lived in Colorado and yet I have an address on my report saying I lived there. Some accounts on my report is not mine and I have requested they be removed and investigated but it has not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: MS

Complaint narrative:
I have made several dispute to Experian, Equifax and Transunion and requested that they send me information on how my account was investigated. My identify has been stolen a police report was sent to the three bureaus and they have not sent me any information was investigated. I have so inaccuracies on my report. I never lived in Colorado and yet I have an address on my report saying I lived there. Some accounts on my report is not mine and I have requested they be removed and investigated but it has 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 non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
This has to do with Cash App drive which many have been misleading with their fund. Payment money transfer. Federal government is suing csap app. I would like to receive my reconciliation. Than You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: Mercedes Benz Financial Services
State: IL

Complaint narrative:
Was approved of XXXX  from dates XXXX 2021 thru XX/XX/scrub> 2021. On the letter all futures payments were supposed to be waived. Mercedes stating that a late payment in XX/XX/year>021. According to the letter payment for that month was supposed to be waived. It is inaccurate and not showing payment waived for the month according to the letter received and approved. 

Account should be updated and showed as paid for the month of XX/XX/scrub> 2021. Letter is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: VA

Complaint narrative:
Equifax is an violation of the Fair Credit Reporting Act ( FCRA ) for failure to properly investigate the inaccurate information on my credit report. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: MA

Complaint narrative:
Due to violations of the Family Educational Rights and Privacy Act FERPA 20 U.S.C. 1232g 34 CFR Part 99 and related federal privacy laws. The institution failed to protect my educational, financial records.

My personal and financial information were compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. This breach is a clear violation of FERPA. It is your responsibility to safeguard my information. This also includes any interest that accrues while its being investigated.

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 2025-02-23 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: PA

Complaint narrative:
I am writing to express my concern regarding the recent Consumer Financial Protection Bureau ( CFPB ) enforcement action against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was detailed in the XX/XX/2025 press release. 

I believe I am XXXX of the affected consumers whose vehicle loan was inaccurately reported as delinquent during the XXXX pandemic deferral period. During this time, I was granted a deferral on my vehicle loan payments, and I was assured by XXXX XXXX XXXX that my account would be reported as current. Unfortunately, it was later discovered that my loan was incorrectly reported as delinquent to credit reporting agencies. 

As a result of this inaccurate reporting, my credit score was negatively impacted, and I have experienced significant stress and financial hardship. I was under the impression that XXXX XXXX XXXX would uphold their promise to report my account accurately, and I feel that I have been wronged by the companys actions. 

I respectfully request that the CFPB take any necessary action to ensure that XXXX XXXX XXXX corrects the inaccuracies in my credit report and that appropriate restitution is provided, as outlined in the enforcement action. I would also like to inquire about the process for receiving compensation as part of the {$12.00} XXXX restitution fund mentioned in the press release.

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 2025-02-23 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name XXXX XXXX XXXX  XXXX DATE OPENED XX/XX/year> -BALANCE {$13000.00}

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 2025-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I requested the deletion of my account and associated personal data. Despite following the companys stated procedures, my account has not been deleted. I have contacted their customer support multiple times, but the issue remains unresolved. 
This failure to honor my request may also violate data protection laws, including the CCPA and GDPR.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to formally Dispute inaccurate information on my credit report This Dispute is submitted under the fair credit reporting Act FCRA 15 U.S.C & 1681i. Which requires Credit Reporting agencies to conduct a reasonable reinvestigation of Disputed item

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 2025-02-23 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: TN

Complaint narrative:
I am writing to formally Dispute inaccurate information on my credit report This Dispute is submitted under the fair credit reporting Act FCRA 15 U.S.C & 1681i. Which requires Credit Reporting agencies to conduct a reasonable reinvestigation of Disputed item

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-23 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: NJ

Complaint narrative:
I am filing a complaint against the Consumer Financial Protection Bureau ( CFPB ) due to their failure to enforce the Fair Credit Reporting Act ( FCRA ) in my dispute against Experian. I submitted a formal request for the removal of unauthorized and unverifiable credit inquiries from my credit report, which were reported without my explicit authorization or any legally required proof of permissible purpose. 

Despite my submission of a dispute under FCRA Section 611 ( 15 U.S.C. 1681i ), which mandates that only accurate, complete, and verifiable information be retained on consumer credit files, Experian has failed to remove these inquiries. Additionally, they have not provided any legally sufficient proof of permissible purpose, which is a direct violation of FCRA compliance requirements. 

I have taken the following actions : Submitted a formal dispute to Experian, demanding removal of multiple unauthorized inquiries. 
Provided supporting documentation, including proof of identity and address. 
Requested that Experian provide documented evidence of permissible purpose from the entities that conducted the credit inquiries. 
Warned Experian that failure to comply would result in a CFPB complaint. 
However, despite these efforts, the CFPB has not taken appropriate enforcement actions to hold Experian accountable for its non-compliance with federal law. This failure to act enables continued violations of consumer protection laws, resulting in harm to my credit report and financial standing. 

I am specifically disputing the following credit inquiries due to lack of proof of permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Hello, I Am Reaching Out To Bank of America to get this credit card problem I have resolved and took of my credit report soon as possible I've been trying to get in contact with you for the past XXXX month 's an no response.This bank of America credit card was opened XX/XX/XXXX an I have not had possession of the credit card for unfortunate reasons like me loosing the card and because i lost my wallet an it was never recovered and being a victim of identity theft because of the XXXX database breach in XXXX! 
I demand you all erase this debt off my credit report in XXXX business days because you all have it reporting as a charge off on my credit report, I Never received a XXXX documents saying the debt was canceled out so there these are my demands!

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
when i got my car XX/XX/XXXX ive been paying XXXX a month since I got the car. i was forced to trade in my old XXXX for this now XXXX XXXX to a new dealership because the one i got the XXXX  from didn't service it correctly and after XXXX miles after being serviced the car blew a rod in the motor and dealership says was my fault went from a XXXX percent interest and XXXX car payment to now paying way more. More the double the interest and more the doubt the car payment as well. i still owe XXXX on this current car but it not even XXXX XXXX  at XXXX how is this right or even remotely fair, for me and my kids I'm now struggling more than I ever have in life. now having a recall on my motor for this car I've had 2 years now and they already had to put a used long block in the car until a permeant fix is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This complaint is in regards to a charge off on my credit report, I'm not sure who is reporting wrong either the bureau or XXXX XXXX. Transunion.and Equifax have been reporting that on XXXX XXXX account that I pay {$1.00} every month to Re-Age my account this has been going on for XXXX years. Please remove this entire account from my credit report. According to FCRA Section 605 ( c ), Creditors, collection agencies, or credit bureaus, if they Re-Age your account by reporting the date of last activity instead of the date of the last delinquency. They have been lying to keep the last activity to {$1.00} a month, updating, my account each month. The account was closed XX/XX/year>. According to the credit report pulled XX/XX/year>.

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 2025-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have sent multiple secure messages requesting my payoff quote no response. called Ally Multiple times, and they falsely told me it was being " processed '' and that I would receive it on XX/XX/year>, but i never did. Tried to generate it through their website and app, but the system gave me an " error ''. Spoken to representatives who claimed it was escalated, but i still have not received it. At this point, Ally is deliberately delaying my payoff quote to keep collecting interest and prevent me from paying off my loan. This is an unfair lending practice, and i need my payoff quote immediately.

Company response to consumer: Closed with explanation