vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: I.C. System, Inc.
State: IL

Complaint narrative:
I am writing to dispute the inaccurate and unauthorized account ICS reported on my transunion and XXXX  credit file. According to my recent credit report, an account under ICS has been placed on my record for the amount of {$240.00}. However, I do not know this account, nor do I have any financial obligation to IC Systems. This constitutes an improper and inaccurate reporting of information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Under the FCRA, you are required to : Verify the debt Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), information reported to consumer reporting agencies must be accurate and verifiable. I demand written proof that this alleged debt belongs to me. 

Conduct a reasonable investigation As per 15 U.S.C. 1681s-2 ( b ), once a dispute is filed, you must investigate the claim within 30 days and provide evidence that the debt is valid. 

Cease reporting inaccurate information Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), if you can not provide sufficient validation, you must request the removal of this erroneous entry from all credit bureaus immediately. 

Notify credit reporting agencies As required under 15 U.S.C. 1681i ( a ) ( 5 ), any unverified or incorrect information must be corrected or deleted from my credit report. 

I request that you immediately investigate this matter and provide written documentation proving the validity of this account. If you are unable to do so, you must remove this account from my credit file and cease all collection activities.

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 2025-05-15 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
I reviewed my credit report on XX/XX/year>, and identified several accounts that appear to contain inaccurate, outdated, or unverifiable information. Please investigate and validate the following entries. If any of these accounts can not be verified with proper documentation, I request that they be immediately deleted and my credit report updated accordingly, as required under 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 non-monetary relief
Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
I reviewed my credit report on XX/XX/year>, and identified several accounts that appear to contain inaccurate, outdated, or unverifiable information. Please investigate and validate the following entries. If any of these accounts can not be verified with proper documentation, I request that they be immediately deleted and my credit report updated accordingly, as required under 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 2025-05-15 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: NY

Complaint narrative:
I reviewed my credit report on XX/XX/year>, and identified several accounts that appear to contain inaccurate, outdated, or unverifiable information. Please investigate and validate the following entries. If any of these accounts can not be verified with proper documentation, I request that they be immediately deleted and my credit report updated accordingly, as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: UMB FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am filing a complaint regarding a {$1000.00} fee that was improperly disclosed during the renewal of my HELOC with UMB Bank. The full explanation is provided in the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: OH

Complaint narrative:
these accounts. I can provide documentation to verify my incarceration upon request. 
I request that you thoroughly investigate this matter and remove all fraudulent accounts from my credit report. These fraudulent accounts include, but are not limited to : * * XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This account shows late payments and is not mine. 
* * XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This account shows late payments and is not mine. 
* * XXXX XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This auto loan is not mine. 
* * XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This account, listed as an authorized user, is not mine. 
XXXX  ( Account # XXXX ) : * This account shows late payments and is not mine. 
* * XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This loan is not mine. 
* * XXXX XXXX  ( Account # XXXX  XXXX XXXX XXXX XXXX ) : * * This loan is not mine. 
* * XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This is a fraudulent collection account. 
* * XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This is a fraudulent charged-off account. 
* * XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX ) : * * This is a fraudulent collection account. 
* * XXXX ( Original Creditor : XXXX XXXX XXXX ) ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This is a fraudulent collection account. 
* * XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This is a fraudulent collection account. 
* * XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) ( Account # XXXX XXXX XXXX XXXX XXXX ) : * * This is a fraudulent collection account. 
* * XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX  ) : * * This is a fraudulent collection 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 non-monetary relief
Consumer complaint received 2025-05-15 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: OH

Complaint narrative:
these accounts. I can provide documentation to verify my incarceration upon request. 
I request that you thoroughly investigate this matter and remove all fraudulent accounts from my credit report. These fraudulent accounts include, but are not limited to : * * XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This account shows late payments and is not mine. 
* * XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This account shows late payments and is not mine. 
* * XXXX XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This auto loan is not mine. 
* * XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This account, listed as an authorized user, is not mine. 
XXXX  ( Account # XXXX ) : * This account shows late payments and is not mine. 
* * XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This loan is not mine. 
* * XXXX XXXX  ( Account # XXXX  XXXX XXXX XXXX XXXX ) : * * This loan is not mine. 
* * XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This is a fraudulent collection account. 
* * XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This is a fraudulent charged-off account. 
* * XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX ) : * * This is a fraudulent collection account. 
* * XXXX ( Original Creditor : XXXX XXXX XXXX ) ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This is a fraudulent collection account. 
* * XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) : * * This is a fraudulent collection account. 
* * XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) ( Account # XXXX XXXX XXXX XXXX XXXX ) : * * This is a fraudulent collection account. 
* * XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX  ) : * * This is a fraudulent collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: Global Lending Services LLC
State: OR

Complaint narrative:
I recently reviewed my credit report and found multiple unauthorized hard inquiries that I did not authorize or consent to. I did not apply for any loans, credit cards, or financing with these companies. These inquiries are negatively affecting my credit score and may be a sign of identity theft. 

The hard inquiries in question are as follows : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( again ) XX/XX/year>XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( third time ) XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX  I did not initiate any credit applications with these entities and have no business relationship with them. I believe these inquiries were made without my knowledge and may be linked to fraudulent activity. 

I respectfully request that this report be sent to the companies involved and that the inquiries be removed from my credit report. I also request that a fraud investigation be initiated to protect my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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 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 2025-05-15 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-05-15 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-05-15 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading 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 2025-05-15 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: AK

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
On XX/XX/year> I received a security fraud alert through text and on my Santander mobile banking account for the amount of {$230.00}. The charge came up as XXXX which I have never used before and did not authorize. I instantly blocked my debit card and called Santander to report the fraud, they then filed a claim. They also had mentioned a XXXX charge was attempted seconds later after XXXX charge but did not go through. I was told that the claim would take up to 90 days and there is a 10 day period where my funds could possibly be put back into my account during this claim period. I explained it was a large amount and I am a single mother of XXXX and would appreciate if this could be expedited so the funds could be put right back into my account. My frustration is the fraud alert should have asked me if I accept or blocked this charge and should not of went through. I have security alerts set up for this exact reason. I followed up with Santander last week to check the status of my claim and was following up on my expedited debit card that I was charged and had not received in the 2-3 day period I was told. The representative told me that she would request funds again to have a 10 day expedite since there was not one made during my initial claim. Today is XX/XX/year> I have not heard from Santander and has been over the 10 days so I decided to call and check my claim. Santander informed me the status said resolved however there was no note attached and had given my the incorrect amount the claim was for. This is very frustrating and concerning. She apologized and said the amount put on the initial claim was an error on their behalf that she now realizes and can reach out to another department for the next step. She then verified the {$230.00} amount I reported and the amount matched on both of our ends. I told her the apology is not good enough I do not understand how a wrong amount can be entered on a claim and not caught. Had I not called Santander would of had an incorrect claim and I would or would not of gotten the correct refund back into my account. She told me she will resubmit a claim and can take another 90 days and will try to send another expedite. I don't feel comfortable with Santander handling any of my money at this point and will be looking to bank elsewhere moving forward. I want the correct amount of money refunded to my account and should not have to wait.

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 2025-05-15 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-15 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: CT

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 response to consumer: Closed with non-monetary relief